Checking & Savings

Compare a wide offering of business and personal checking and savings accounts, then choose the account that best fits your needs.

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Identity Theft Restoration Coverage

Identity Theft 911® – Lifestages is an exclusive benefit now available to all FNB Bank customers with First Choice and Super Select checking accounts.

Identity theft, the nation’s fastest growing crime, can have a devastating effect on victims. Dealing with the repercussions of the experience can be overwhelming and extremely time-consuming.

That’s why FNB Bank has partnered with Identity Theft 911®, America’s leading identity theft solution company, as a benefit to all of our First Choice and Super Select checking customers. Your enrollment in IDT911 is automatic, and gives you a one-on-one relationship with a trained, dedicated fraud specialist. You will receive these benefits automatically:

  • One-On-One Access to a Personal Fraud Specialist
  • Proactive Assistance on Lost or Stolen Wallets
  • Many More Benefits

Get even more benefits when you select the optional Identity IQ Protect Max. Just enroll online with a valid e-mail address. Limit one per household at no charge.

Identity IQ Protect Max Benefits include:

  • Up to $1,000,000 of Identity Theft Restoration Coverage
  • Daily credit file monitoring of your Experian, Equifax and TransUnion files, with E-mail Alerts
  • Fraud Alert Assistance
  • Credit Score Tracking
  • Comprehensive Victim Assistance Benefits
  • Lost Wallet Assistance
  • 25 percent discount on Identity IQ Protect Max for Additional Family Members

If you are a victim of identity theft, contact Identity Theft 911 at (866) 602-2056 for assistance. Give them your member number ID# IDT12006.

Credit monitoring and fraud monitoring are only available for victims with online access and a valid email address.

Resolution services are not an insurance product and do not include the recapture of victims expenses or losses resulting from fraud. Resolutions services do not include psychological counseling for crime victims.



Personal Checking


FNB offers six different checking accounts to fit your lifestyle and budget. You can read about the features and benefits of each account below.

Account This Account Is For You If… Monthly Fee Online Banking Special Features
First Choice Checking You are interested in unlimited checking, fraud protection and AD&D Insurance $7 Online Banking, Bill Pay, and Mobile Banking with Mobile Check Deposit
  • $10,000 AD&D Insurance
  • Club Checks (limit two orders per year)
  • Unlimited Check Writing
  • MasterCard® Check Card with EMV Chip Technology2
  • 10 Percent Discount on Safe Deposit Box
  • No charge for Notary Service
  • No Charge for Cashier’s Checks or Money Orders (up to 3 per month)
  • No Charge for Copies (up to 3 pages per month)
  • Refund other Bank’s ATM Fees3
Super Select Checking You want to earn interest and make 25 or more POS Check Card transactions monthly, and want fraud protection. Interest requires one direct deposit and e-statements. $7
Waived with 35 POS Check Card transactions
Online Banking, Bill Pay, and Mobile Banking with Mobile Check Deposit
  • Higher interest paid on balances up to and including $35,0001
  • Club Checks (limit two orders per year)
  • Unlimited Check Writing
  • MasterCard® Check Card with EMV Chip Technology2
  • 10 Percent Discount on Safe Deposit Box
  • No charge for Notary Service
  • No Charge for Cashier’s Checks or Money Orders (up to 3 per month)
  • No Charge for Copies (up to 3 pages per month)
  • Refund other Bank’s ATM Fees3
Interest Checking You want a basic interest-bearing account with competitive rates and no transaction requirements $10 monthly fee;
Waived with $1,000 minimum daily balance
Online Banking, Bill Pay, and Mobile Banking with Mobile Check Deposit
  • Tiered interest earned on daily collected balance
  • Unlimited check writing
  • MasterCard® Check Card with EMV Chip Technology2
  • E-Statements available
Prestige 55 Checking For our customers 55 years or better $0 Online Banking, Bill Pay, and Mobile Banking with Mobile Check Deposit
  • Prestige 55 Checks at no charge (limit 2 orders per year)
  • Cashier’s Checks or Money Orders – up to 3 per month at no charge
  • Unlimited check writing
  • MasterCard® Check Card with EMV Chip Technology2
  • E-Statements available
FNB Checking For our customers who want a basic checking account $0 Online Banking and
Mobile Banking with Mobile Check Deposit
  • E-Statement
  • Unlimited check writing
  • MasterCard® Check Card with EMV Chip Technology2
  • Bill Pay available for $4.95 per month or is no charge if you have direct deposit
Student Checking For our customers 14 years through college4 $0 Online Banking and Mobile Banking with Mobile Check Deposit
  • E-Statement
  • 12 checks at account opening
  • No FNB transaction fee charged on
    up to 3 non-FNB ATM withdrawals
    per month
  • MasterCard® Check Card with EMV Chip Technology2
  • Earn $.05 per FNB MasterCard Check Card transaction up to $1.50 per month5
  • Bill Pay is not available

1Qualifying conditions must be met to earn a higher interest rate on balances up to and including $35,000. Qualifying balances in excess of $35,000 will earn a lower rate of interest. If qualifying requirements are not met, a lower interest rate will be applied to the entire account balance.

 

2Subject to approval.

 

3Refund limited to $20 per month when qualifying conditions are met (with maximum of $5.00 returned per transaction).

 

4Parent assumes financial responsibility for account holders under 19.

 

5Deposited monthly into Student Checking account.

 

Savings, CDs and IRAs


When planning for retirement or other financial goals, we understand the rewarding feeling that comes from watching your monies grow. Below are the different types of savings accounts we offer.

Account Minimum Deposit to Open Monthly Fees Important Information
Basic Savings $25 $0
  • Tiered interest earned on daily ledger balance
  • Quarterly statements
  • 6 withdrawals per month with no service fee1
Money Market $2,500 $10
Waived by maintaining a $2,500 minimum daily balance
  • Tiered interest earned on daily collected balance
  • 6 withdrawals per month with no service fee2
Christmas Club $0 $0
  • Interest earnings are calculated on the daily ledger balance and paid annually
Certificates of Deposit $1,000 A penalty may be imposed for each early withdrawals
  • CD terms from 91 days to 60 months
  • Fixed rates
  • Receive interest monthly, quarterly, semi-annually, annually or compound quarterly
Individual Retirement Accounts (IRA) $1,000 A penalty may be imposed for each early withdrawal
  • Several options to choose from including Traditional and Roth IRAs
  • Receive interest monthly, quarterly, semi-annually, annually or compound quarterly

1 This is a limited transaction account. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic debits or withdrawals per month, including transactions by check or similar order payable to a third party. There is an excessive withdrawal fee of $3.00 per withdrawal in excess of 6 during a calendar quarter.

 

2This is a limited transaction account. Regulatory limit of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction per statement cycle. There is an excessive withdrawal fee of $15.00 per transfer in excess of 6 per statement cycle.

Business Checking


FNB Bank is all about the communities we live and work in. We want to help you grow your business with one of the great business checking accounts we offer.

Account Minimum Deposit to Open Monthly Fees Important Information
Business Checking $100 None
  • 150 items per month1
  • Visa® Business Check Cards
  • Online Banking
Business Interest Checking $100 $15
Waived by maintaining a $10,000 minimum daily balance
  • Tiered interest earned on daily collected balances
  • 150 items per month1
  • Visa® Business Check Cards
  • Online Banking
Analysis Checking $100 Varies
Business Money Market $5,000 $10
Waived by maintaining a $5,000 minimum daily balance
  • Tiered interest earned on daily collected balances
  • No charge for Online Banking access
  • 6 withdrawals per monthly cycle2
Business Savings $25 $0
  • Tiered interest earned on daily ledger balance
  • Online Banking
  • Quarterly statements
  • 6 withdrawals per month3

1Items include check and other debits paid (including ACH, ATM and debit card transactions), deposited items and other credits posted. Transaction fee of $0.25 for each additional item over 150 per month.

 

2This is a limited transaction account. Regulatory limit of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction per statement cycle

 

3This is a limited transaction account. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic debits or withdrawals per month, including transactions by check or similar order payable to a third party. There is an excessive withdrawal fee of $3.00 per withdrawal in excess of 6 during a calendar quarter.

 

Checking Card – Security, Lost Card and More

Q: I’ve lost my debit card after hours. What do I do?

A: Call 1-800-500-1044 immediately and report your card as lost or stolen.

Q: What can I do if I forget my debit card pin number?

A: For security reasons, you will need to come into the bank and present your debit card and personal identification. We will then give you a phone number and instructions that will allow you to create a new pin number.

Q: What phone number do I call to activate my debit card and create a new pin?

A: 1-866-633-5293

Q: When I call to activate my card, it does not work. Why?

A: Be sure that you call from the phone number that the bank has on record for you; and be sure to enter the social security number of the person whose name is on the card.

Q: I ordered something online or over the phone and my debit card was declined. What could be wrong?

A: When you place an online or phone order, the payee (company processing your card) must verify your address. Make sure that they have the correct address and current expiration date of the card. The address must match the address currently on file with FNB.

Q: Can I have two (2) debit cards in my name on the same account?

A: No. Each authorized signer on an account can only have one card per account. You can have more than one card per account, but only one per person.

Q: Why will my debit card not always work in the evening even though I have made a deposit that same day and have funds in my account?

A: At the end of each business day FNB processes all of the day’s activity on each account. There is a time during processing when new deposits are not available. If you have opted into our overdraft protection program, you will not be affected by this. Contact your local office for more information.

Q: My checking account was charged off; however, I have repaid the bank and reopened the account. Why does my debit card not work or my account show up online?

A: When an account is charged off (closed by the bank), both the debit card and Online Banking are cancelled. If you still have your debit card, you may bring it to the bank and have it reactivated. In addition to your debit card, you will need to show identification, sign a form and be reactivated for no fee. If you do not have your debit card, you must pay a $5.00 replacement fee, in addition to the steps previously outline. To reactivate Online Banking, you will need to re-enroll as a new online customer.