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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Personal Checking


Our Best Personal Checking Accounts are Packed with Extra Value

In addition to the special features described below, First Choice and Super Select Checking offer even more ways to save. Ask and learn more about how you can save with discounts on pharmacy, vision, hearing aids, dining, travel and more.

Account Choose this Account Is For You If… Monthly Fees Online Banking Special Features
First Choice Checking You are interested in unlimited check writing and a package of great benefits $7 Membership Fee No charge for Bill Pay Service
  • $10,000 AD&D Insurance
  • $5,000 ID Theft Assistance
  • No charge for First Choice Checks
  • Visa® Check Card2
  • Discounted Safe Deposit Box
  • No charge for Notary Service
  • No charge for Cashier’s Checks (3 per month)
  • Value-Added Membership Benefits
Super Select Checking You want to earn interest and make 25 or more POS Debit Card transactions monthly; use Direct Deposit and E-Statement $7 Membership Fee (waived with 35 POS Debit Card transactions) No charge for Bill Pay Service
  • Higher interest paid on balances up to and including $35,0001
  • $5,000 Travel Accident Insurance
  • $2,500 ID Theft Assistance
  • No charge for First Choice Checks
  • Visa® Check Card2
  • Refund other Bank’s ATM Fees3
  • Discounted Safe Deposit Box
  • No charge for Notary Service
  • Value-Added Membership Benefits
Interest Checking Prefer a basic interest-bearing checking account $10 or $0 with minimum daily balance of $1,000 No charge for Bill Pay Service
  • Tiered interest earned on daily collected balance
  • $1,000 ID Theft Assitance
  • Visa® Check Card2
Prestige 55 Checking You are 55 or better $0 No charge for Bill Pay Service
  • No charge for Prestige Checks
  • No charge for Cashier’s Checks or Money Orders (3 per month)
  • $1,000 ID Theft Assistance
  • Visa® Check Card2
Free Checking You want unlimited check writing with no monthly fee $0 No charge for Bill Pay service with Direct Deposit
  • E-Statement
  • $1,000 ID Theft Assistance
  • Visa® Check Card2
Student Checking You are age 14 through college4 $0 No charge for Online Banking access
  • E-Statement with check images
  • 12 checks at account opening at no charge
  • $1,000 ID Theft Assistance
  • Three foreign ATM transactions per month (FNB fee only)
  • Visa® Check Card2
  • Earn $.05 per transaction (up to $1.50 per
    month)5

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
Regular Savings $25 $0
  • Tiered interest earned on daily ledger balances
  • Quarterly statements
  • 6 withdrawals per month1
Money Market $2,500 $10 minimum balance fee, fee is waived by maintaining a $2,500 minimum daily balance
  • Tiered interest earned on daily collected balances
  • 6 withdrawals per month2
Christmas Club $0 $0
  • Interest earnings are calculated on the daily ledger balance and paid annually
Certificates of Deposit $1,000 Penalty may be imposed for 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 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
Free Business Checking $100 No monthly maintenance fee.
  • Tiered interest earned on daily collected balances
  • 150 Items per Month1
  • Visa® Business Check Card
  • No charge for Online Banking access
Business Interest Checking $100 $15 monthly maintenance fee is waived by maintaining a $10,000 minimum daily balance
  • Tiered interest earned on daily collected balances
  • 150 Items per Month1
  • Visa® Business Check Card
  • No charge for Online Banking access
Analysis Checking $100 Varies
Business Money Market $5,000 $10 minimum balance fee is 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
  • 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.