Personal Checking

Free Checking with eStatement

This FNB account is perfect for people who want to eliminate monthly maintenance fees and make frequent transactions.

  • Minimum opening deposit: $100.00
  • No minimum balance required
  • No monthly service charge
  • Unlimited check writing
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Debit card: $1.00/month
  • Free online banking and bill pay

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Regular Checking

This account is the ideal choice if you write a small number of checks each month and want to keep a small amount on deposit in your checking account.

  • Minimum opening deposit: $100.00
  • Monthly account maintenance fee with balance of:
    Less than $399.00 - $6.00
    $400.00-$599.00 - $4.00
    $600.00 or more - No Service Charge
    Balance required to avoid all monthly charges: $5,000.00
  • High activity service charge (when the total checks and debits exceed 30/month, excluding ATM withdrawals): 10¢ per transaction
  • Balancing of statement: $12.00/hour
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Debit card: $1.00/month
  • Free online banking and bill pay

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1st Club Accounts

Introducing a first class checking account that opens the door to value all for only $10 a month or $11 for joint accounts.

  • Minimum opening deposit: $100.00
  • No Minimum Balance Required

Purchase Fee:

  • Travel Card: $5.00

Free:

  • Cashier’s Checks, Money Orders
  • No Fee for Stop Payments
  • Unlimited Check Writing
  • No Monthly Fee for Debit Card, Upon Approval
  • First Order of 150 FNB Wallet Checks
  • Basic Notary Service (All parties must be present)
  • Internet Banking
  • Online Bill Paying
  • eStatement
  • Automatic Transfer from Saving to Checking to cover NSF Checks, Prevents NSF Charges
  • Maximum 6 Auto Transfers per Statement Cycle from Savings
  • Wire Transfers
  • Medallion Signature Guarantee
  • Fone First (24-Hour Phone Service)

Monthly service fees:

  • Individual: $10.00
  • Joint: $11.00
  • Insufficient Funds Charge (per item): $20.00
  • Overdraft Protection: $20.00

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Senior Citizen (Age 62 & Over)

Seniors, take advantage of this account recommended for customers 62 and older, unlimited check writing, no minimum balance requirements and many other advantages.

  • Minimum opening deposit: $100.00
  • No monthly fees
  • No minimum balance required
  • Free online banking and billpay
  • Free eStatements
  • Free debit card
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Balancing of statement: $12.00 per hour

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Student Checking (through college graduation)

Student checking with FNB really makes the grade-with no minimum balance requirements and no monthly maintenance fees.

  • Minimum opening deposit: $50.00
  • No minimum balance required
  • Unlimited check writing
  • No monthly fees
  • Free online banking and billpay
  • Free eStatements
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Debit card: $1.00/month

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Now Accounts

An account for customers who maintain a larger balance, desire an interest bearing account and write an average number of checks.

  • Minimum opening deposit: $2,000.00
  • Monthly account maintenance fee with balance of:
    $0-$1,499.99: $6.50
    $1,500.00-$1,999.99: $5.50
    Balance required to avoid all monthly charges: $5,000.00
  • Check charge over 20/month: 15¢ per withdrawal or transfer
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Dormant account fee (if no activity for one year): $1.00 per month if balance is below $2000.00
  • Free eStatements
  • Debit card: $1.00/month

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Money Market Account (MMIA)

This ideal account provides a higher rate of return, combined with easy access to your money.

  • Minimum opening deposit: $2,500.00
  • Minimum balance to avoid service charge: $2,500.00
  • Minimum daily balance to obtain APY as listed: $1,500.00
  • Monthly Maintenance fee if balance is below $2,500.00: $6.00
  • Insufficient funds charge: $20.00 per item
  • Stop payment charge: $20.00 per item
  • Free internet banking and eStatements
  • Debit card: Not available

**For all money market accounts - Federal regulations limit withdrawals to six for each statement cycle by check, draft, debit card or similar order made payable to a third party. Unlimited transfers in person. Excessive withdrawals will result in account closure or conversion to a transaction account.

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