Personal Accounts

All accounts come with FREE Online Banking, FREE Online Bill Pay, FREE ATM/Debit Card and FREE Fraud Watch Plus

Regular Personal Checking Account

  • $100 opening deposit
  • Unlimited check writing
  • $400 minimum daily balance
  • If minimum balance requirement is not met, monthly fee of $10.00
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

My Best Friend’s Account
For Individual/personal use:

  • $100 opening deposit or $1.00 with direct deposit
  • No minimum balance requirement
  • Unlimited check writing
  • ATM/Debit Card to qualified applicants
  • E-statement required or $5.00 for monthly printed statement
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards
  • **Previously Back to Basics, Preferred, Basic Free Accounts or My Best Friends Basic Free

Checking Plus
For Individual/personal use:

  • $100 opening deposit
  • Unlimited check writing
  • 400 FREE personalized checks each year
  • 25% off Safe Deposit Box Rent ($10.00 max.)
  • $8.50 per month
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

Student Account
For students up to age 22:

  • $100 opening balance
  • If daily balance falls below $100, monthly fee of $5.00
  • Allows 15 checks each statement cycle
  • 20ȼ fee for each check over 15 per cycle
  • First 100 checks – Free
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

Checking Plus Now

  • $100 opening deposit
  • All benefits of Checking Plus account
  • Earns NOW account interest on all balances (call FNB for current rates: 800-883-3365)
  • $10.00 per month

First Classics I
For those age 50 and over:

  • $100 opening deposit
  • Unlimited check writing
  • Balances over $1000 earn interest (call FNB for current rates: 800-883-3365)
  • 200 FREE personalized checks per year
  • 50% off Safe Deposit Box ($10.00 max.) 1st year
  • If daily balance falls below $100, monthly fee of $10.00
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

First Classics II
For those age 50 and over:

  • $100 opening deposit
  • No minimum balance requirement after opening
  • Interest paid monthly on all balances (call FNB for current rates: 800-883-3365)
  • 400 FREE personalized checks each year
  • 50% off Safe Deposit Box ($10.00 max.) each year
  • CDs purchased with funds not on deposit at FNB will earn ¼% higher initial interest (some exceptions apply)
  • $5.00 per month
  • Unlimited check writing
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

Now Account
For individuals, sole proprietorships, not-for-profit Corporations:

  • $100 opening deposit
  • Interest earned on all deposits (call FNB for current rates: 800-883-3365)
  • Unlimited check writing
  • If daily balance falls below $1000, monthly fee of $10.00
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

Super Now Account
For individuals, sole proprietorships, not-for-profit Corporations:

  • $100 opening deposit
  • Interest earned is tiered to daily balances
  • Unlimited check writing
  • If daily balance falls below $1000, monthly fee of $10.00
  • Free Fraud Watch Plus – Identity Theft Protection for ATM/Debit Cards

Premium Account
For personal or businesses:

  • $20,000 opening deposit
  • call FNB for current rates: 800-883-3365 for interest rate and APY
  • Requires regular transaction account (checking) to qualify (new or existing)
  • If balance drops below $20,000 at any time, monthly fee of $25.00

Passbook Savings

  • $200 opening deposit
  • Interest rate is compounded and paid to account twice a year in June and December
  • If daily balance drops below $200 during statement cycle, there is a $3.00 fee per semi-annual statement cycle.
  • When average balance is below $1500, 18 withdrawals are allowed each statement cycle, with a $1 fee for each withdrawal thereafter
  • Passbook must be presented for all transactions

Kids Cash Savings
For children up to age 18:

  • $25 opening deposit
  • Interest is compounded and paid to account twice a year in June and December
  • If daily balance drops below $25 minimum, there is a $3.00 fee per statement cycle.
  • Maximum of 6 withdrawals per semi-annual statement cycle, with $1 fee for each withdrawal thereafter
  • Passbook must be presented for all transactions

 

Additional Disclosure for Passbook Savings

Interest rates, calculations, and payment method:

  • The interest rate and annual percentage yield for your account are shown on the deposit rates insert.  This rate is applied to the entire balance in your account.
  • This is a variable rate account; the interest rate and annual percentage yield may change at our discretion at any time.

If you close your account before interest is credited, you will not receive the accrued interest.

 

Additional Disclosure for Interest Checking
Interest rates, calculations, and payment method:
• The interest rate and annual percentage yield for your account depend on the applicable rate tier and they are applied to the entire balance in your account. See the deposit rates chart.
• Interest begins to accrue on the business day you deposit noncash items (i.e. checks)
• We use the daily balance method to calculate interest on your account. It applies a daily periodic rate to the principal in the account each day.
• Interest accrued daily and compounded/credited monthly.
• This is a variable rate account; your interest rate and annual percentage yield may change at our discretion at any time.

Visa Debit Card Disclosure
Important Information Regarding your Visa-Branded Debit Card

In the past most transactions have been processed as Visa Check Card transactions unless you entered a PIN, in the future if you do not enter a PIN, transactions may be processed as either a Visa Check Card transaction or a transaction on the PULSE network. Merchants must provide you with a clear way of choosing to make a Visa Check Card transaction if they support this option. Examples of the types of actions that you may be required to make to initiate a Visa transaction of your Visa-branded card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply and you will not be eligible for rewards accrued on transactions processed over the VISA network. Certain protections and rights applicable only to VISA Check Card transactions as described in your cardholder agreement will not apply to transactions processed on the PULSE network.