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

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.

MasterCard Check Card

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

  • Ease of Accounting – Purchases made with your MasterCard® 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 Bank statements.
  • Enhanced Security – Your MasterCard® Check Card comes with EMV chip technology that protects you from the global escalation of debit card fraud and illegal card duplication. Your check card has an embedded microchip that creates a unique code at the point of sale making each transaction virtually impossible to replicate.
  • Exclusive Benefits – Every customer has access to unique MasterCard® benefits like Price Protection and Extended Warranty Coverage. Visit www.MasterCard.com to learn more.
  • Banking Flexibility – Your MasterCard® Check Card also functions as your ATM card for banking and getting cash through our FNB Bank ATMs and for cash withdrawals at other ATMs* and point-of-sale terminals worldwide.
  • Shopping Convenience – You can use your MasterCard® Check Card to shop online, by phone or by mail.
  • Worldwide Acceptance – MasterCard® Check Cards are welcome at millions of locations throughout the world, anywhere the MasterCard® Check Card logo is displayed.*Foreign ATM Fees may apply.

See cardholder agreement for more details.

Consumer MasterCard 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*
  • Extended Warranty doubles the store/manufacturer’s warranty for up to one year*
  • Pay bills at FNB, by mail, online, or by automatic debit
  • MasterRental 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 +

World

  • 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
  • Purchase Assurance to cover purchase item that are damaged or stolen within 90 days of the date of purchase*

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

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

* Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

+ Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit yourfnbbank.myapexcard.com/apply and select Rewards Terms and Conditions. Rewards options are subject to change without notice

Business MasterCard 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
  • Purchase Assurance to cover purchase item that are damaged or stolen within 90 days of the date of purchase*
  • Extended Warranty doubles the store/manufacturer’s warranty for up to one year*
  • Pay bills at FNB, by mail, online, or by automatic debit
  • Travel and emergence assistance services for travel documents and medical records*
  • MasterRental 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

(Terms and Conditions)
Business World

  • Valuable Points – 1 point for every $1 spent with no earning cap
  • Earn double points for every dollar spent on airfare, hotel, car rental and dining**
  • Points redeemable at company account level or by individual cardholding employees
  • Travel and accident insurance for airline, land or water conveyance transportation accidents*
  • Lost luggage reimbursement for checked or carry-on baggage*

(Terms and Conditions)
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 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 MasterCard credit card options!

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

Ready to apply?

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

* Certain terms, conditions, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

**We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards point

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: 256-574-0900
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.