Convenience Services

At FNB Bank, our hours are your hours. We offer a variety of convenience and account access services so that you can bank safely and securely anytime you need to, from almost anywhere you may go.

Easy Access

Features Online
Banking
Mobile
Banking1
Telephone Banking Text Banking1
Check FNB Account Balances

Access FNB Transaction History

Search FNB Account Activity

Transfer Funds between FNB Accounts

FNB Account Alerts

Make FNB Loan Payments

 
Pay Bills2

 
Order Checks

 
Find Nearest ATM or FNB Location

 

1Mobile and text banking services are available to all FNB Online Banking enrollees at no additional charge. Use of mobile and text banking requires your mobile service provider’s data and/or text plan, for which charges may apply.

Online Banking & Bill Pay


FNB Online Banking offers instant access to your accounts, banking services and financial tools. Your security is ensured and protected with passwords and powerful encryption technology. Check balances, transfer funds and view account history – all with the click of a mouse.

Signup for our optional FNB Bill Pay* service and pay your monthly bills without lifting a pen. That means fewer checks, no envelopes and less stamps to buy.
*A fee may apply
Enroll Online BankingEnroll Business Online Banking

Mobile Banking


The FNB Mobile Banking App gives you instant access to your accounts, banking services and financial tools from your Smart Phone. Your security is ensured and protected with passwords and powerful encryption technology. Best of all, we offer FNB Mobile Banking with any account! All you have to do is be enrolled as an FNB Online Banking user and then download the application for either an Android or iPhone depending on which phone you use.

FNB Mobile Banking allows you to:

  • Check Account Balances – Monitor your checking, savings, and other accounts.
  • View Account History – Track your deposits, withdrawals, cleared checks and transfers.
  • Search Account History – You can search by check number, amount and/or the date.
  • Transfer Funds – Move funds between your different accounts.
  • Pay Bills– FNB Bill Pay is a faster, easier way to pay all your monthly bills. With a few simple clicks, you can pay your bills from your phone.
  • Find ATM/Branch Locations – Find the nearest FNB ATM or branch

E-Statements


FNB E-Statements provide you with the convenience and added security of receiving your FNB account statements electronically. Each month, when your statements are available online, you will receive an e-mail notification. Through a simple login process; you can access, view, download, or print your FNB statements – 24/7. Electronic delivery means no more waiting to reconcile.

FNB E-Statements service also includes access to your account statements for 12 months – making it easy to go back and review account history, print the front and back of checks or print entire statements anytime.

Visa Check Card


There is no need to write checks when you bank with an FNB VISA® Check Card*. You’ll become a super-savvy, super-speedy shopper as you use it in place of cash and checks. Plus you have the ability to get cash back almost anywhere that your Check Card is accepted. And don’t forget all the following benefits and securities that are built right into your card:

  • Ease of Accounting – Your purchases made with the VISA® Check Card come directly out of your checking account and can be tracked through Online Banking, Mobile Banking, Telephone Banking, and also appear on your monthly FNB statements.
  • Super Security – VISA®’s Zero Liability policy means you won’t pay for any unauthorized purchases.** Plus, Verified by VISA® allows you to create a password to make online purchases more secure.
  • Faster Transaction – There’s no need to write checks or wait for check approvals by merchants.
  • Banking Flexibility – Your card also functions as your FNB ATM card for banking and getting cash through our ATMs.
  • Shopping Convenience – You can use your card to shop online, by phone or by mail.
  • Worldwide Acceptance – VISA® Check Cards are welcome at millions of locations throughout the world, anywhere the VISA® Check Card logo is displayed.

* U.S.-issued cards only. Foreign ATM Fees may apply.  ** VISA®’s Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by VISA®.

See cardholder agreement for more details.

Personal Visa Credit Cards


Credit Card Login

Banks. Retailers. Everyone offers credit cards. But most don’t offer LOCAL service from folks you know. FNB provides you a great choice of competitive, feature-rich credit cards with all the comforts of home. Meaning … we issue the credit cards … and if you have any problems at all regarding your credit card account, you can talk to US. By phone, or drop by our office. Check out all THREE personal credit cards FNB has to offer to see which one is right for you!

All FNB personal credit cards offer the following:

  • No annual fee (Terms and Conditions)
  • No over-limit fees (Terms and Conditions)
  • Price protection if you find an item you purchased at a cheaper price
  • Warranty manager doubles the store/manufacturer’s warranty for up to one year
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Roadside dispatch to assist with vehicle assistance
  • Auto rental collision damage waiver insurance that pays for covered damages to a rental vehicle

But then there is MORE … depending on the card you select!

Platinum

  • 0% Intro APR on purchases and balance transfers for the first 6 months (Terms and Conditions)
  • Our lowest interest rate

Platinum Rewards

  • Valuable Points – one for every dollar spent
  • 5,000 bonus points if you charge $1,000 in the first 3 months

Signature Platinum Rewards

  • Valuable Points – one for every dollar spend
  • 10,000 points if you charge $3,000 in the first 3 months
  • Preferred savings, rewards, benefits and perks
  • Concierge services normally provided by travel agencies, including ticket purchases, reservations, logistics for hard-to-find shopping items and much more
  • Travel and emergency assistance
  • Hotel/motel burglary reimbursement

Come in anytime to discuss FNB’s three personal Visa credit card options!

Learn more about the terms and conditions of FNB’s three Visa credit cards!

Ready to apply?

FNB customers can do so by logging in to their online banking, click on the credit card application button and print the credit card terms. At that time, the site will direct you to the credit card application!

Not a current FNB customer or online banking user? That’s ok! You can apply for one of our great credit cards too. Just stop by the FNB office nearest you and we’ll help you apply!

Business Visa Credit Cards


Credit Card Login

Banks. Retailers. Everyone offers credit cards. But most don’t offer LOCAL service from folks you know. FNB provides you a great choice of competitive, feature-rich credit cards with all the comforts of home. Meaning … we issue the credit cards … and if you have any problems at all regarding your credit card account, you can talk to US. By phone, or drop by our office. Check out all FIVE business credit cards FNB has to offer … and see which one is right for you and your employees!

All FNB business credit cards offer the following:

  • Individually customized spending limits for employees
  • Consolidated or individual billing statements
  • Price protection if you find an item you purchased at a cheaper price
  • Warranty manager doubles the store/manufacturer’s warranty for up to one year
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Roadside dispatch to assist with vehicle assistance
  • Travel and emergence assistance services for travel documents and medical records
  • Auto rental collision damage waiver insurance that pays for covered damages to a rental vehicle
  • 24/7 customer service

Business Platinum

  • 0% introductory APR on balance transfers and purchases for first 6 months (Terms and Conditions)
  • Our lowest interest rate
  • Debt consolidation welcome offer

Business Platinum Rewards

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Points redeemable at company account level or by individual cardholding employees

Business Signature

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Additional point value for air travel-related rewards redemptions
  • Points redeemable at company account level or by individual cardholding employees
  • Concierge services for entertainment, travel, shopping and executive services
  • Travel and accident insurance for airline, land or water conveyance transportation accidents
  • Lost luggage reimbursement for checked or carry-on baggage

Corporate

  • Pay for virtually all business expenses, both travel related and office supplies

Corporate Rewards

  • Comprehensive suite of reward options, including travel, hotel, car-rental, merchandise, charity and more
  • Option to allow employees to earn and redeem rewards points individually or pool all point earnings for the organization

Come in anytime to discuss FNB’s five business Visa credit card options!

Learn more about the terms and conditions of FNB’s five Visa credit cards!

Ready to apply?

FNB customers can apply for Business Platinum, Business Platinum Rewards or Platinum Signature Rewards by logging in to their business online banking, click on the credit card application button and print the credit card terms. At that time, the site will direct you to the credit card application!

Not a current FNB customer or online banking user? That’s ok! You can apply for one of our great credit cards too. Just stop by the FNB office nearest you and we’ll help you apply!

Interested in a Corporate or Corporate Rewards credit card? Please stop by your nearest FNB office and talk to one of our business bankers

24-Hour Phone Access


FNB 24-Hour Phone Access gives you quick and easy access to all of your accounts at any time of the day or night. Rest assured that your financial information is always secure because access is protected by your personalized Account # and PIN. This convenient service allows you to:

  • Make account balance inquiries
  • Review previous transaction for up to 30 days
  • Transfer funds between accounts or make loan payments
  • Receive CD/IRA account information
  • Receive loan account information

Local: 256-259-6000
Toll Free: 1-888-574-0900

24-Hour ATM Banking


The FNB 24-Hour ATM network is another way we provide you with convenient access to your money and account information. Get cash at any FNB ATM, as well as thousands of other machines worldwide. Just look for the following authorized network ATMs:

  • ATM – Get cash and account information at any machine displaying the Cirrus or STAR logo.
  • Check Card – Look for merchants displaying the VISA®, Cirrus or STAR logo.
  • Credit Card – Look for merchants displaying the VISA® logo.
  • A fee may apply for ATM use at a non-FNB ATM.

 

FNB 24-Hour ATM Locations:

  • Main Office – 402 South Broad Street, Scottsboro, Alabama 35768
  • Jackson Square Office – 1535 South Broad Street, Scottsboro, Alabama 35768
  • Jackson County Courthouse, Express ATM – 102 East Laurel Street, Scottsboro, AL 35768
  • Bridgeport Office – 51616 U.S. Highway 277, Bridgeport, Alabama 35740
  • Pisgah Office – 2399 County Road 58, Pisgah, Alabama 35765
  • Section Office – 4968 Tammy Little Drive, Section, Alabama 35771
  • Henagar Office – 9290 Highway 40, Henagar, Alabama 35978
  • Skyline Office – 21783 Alabama Highway 79, Scottsboro, AL 35768
  • Woodville Office – 29975 Highway 35, Woodville, Alabama 35776
  • Express ATM – The Village on Broad, 3509 South Broad Street, Scottsboro, Alabama 35768
  • Express ATM – Carlile’s Restaurant, 23730 John T Reid Parkway, Scottsboro, AL 35768

Remote Deposit


FNB’s Remote Deposit service enables businesses to use remote deposit capture technology and make unlimited deposits to your business accounts from your home or office. Through this service, digital images of the checks you receive can be captured and transmitted to FNB Bank electronically.

Merchant Card Services

FNB’s Merchant Card Services provide convenience, security and cost-saving benefits for your business. These services allow you to:

  • Increase customer satisfaction
  • Protect your business from possible fraud
  • Ensure the safe and convenient deposit of bank card transactions

Reduce overhead by eliminating many of the accounting, collection and paperwork activities associated with cash and checks.

Online Cash Management


The Business Banking system provides the tools to help service your cash management needs from ACH origination (including collect payments and direct deposit payroll) to wire transfers and check reconciliation.

For more information on Online Cash Management, call our Online Banking Representative at 256-259-6000.

ID Theft Protection


FNB is dedicated to helping protect you from identity theft with ID SafeSM. According to the Federal Trade Commission, almost half of the reported consumer fraud involves some form of identity theft – and the numbers are growing. FNB is pleased to offer basic ID SafeSM protection to all personal checking account holders at no additional charge, which includes Payment Card Protection, Personal Identity Protection, and Identity Recovery and Restoration.

Payment Card Protection is a valuable service that gives you and your family the tools you need to defend yourself against identity fraud by:

  • Registering debit, credit, and retail cards
  • Reporting lost or stolen cards by toll-free call
  • Notifying card issuers for you

Personal Identity Protection allows us to ease your burden if your identity is ever stolen:

  • Up to $5,000 reimbursement of selected identity recovery costs (varies by account)
  • Identity theft prevention tips and resources
  • Identity theft victim guide and worksheet

Identity Recovery and Restoration will help guide your recovery:

  • Assistance with placing a fraud alert and pulling a credit report; initiate credit monitoring for one year through one credit bureau
  • Full identity theft document preparation, including Limited Power of Attorney and letters to regulatory agencies
  • Referrals upon request to an identity protection financial counselor and/or attorney for initial consultation at no charge

Same-Day Transactions


Any transaction made during regular business hours will be posted to your account that same day.*

* Saturday transactions will be posted on the next business day. ATM transactions after 2 p.m. will be posted on the next business day.