Author: Chelsea Culp

Smart Summer Banking Tips from FNB

Written by Chelsea Culp on July 14, 2025. Posted in Money Matters.

Summer is a season for sunshine, travel, and making memories, but it’s also a time when staying on top of your finances is more important than ever. Whether you’re hitting the road, relaxing by the pool, or simply enjoying a break in routine, FNB has you covered with these essential summer banking tips.

1. Set Travel Alerts Before You Go

Before heading out on vacation, be sure to set a travel alert on your FNB debit or credit card. Letting us know your travel dates and destinations helps prevent any disruptions in card usage while also protecting your account from suspected fraud. Setting up an alert is quick, easy, and can be done through Online and Mobile Banking or by calling our Customer Support Center at 888-934-2536.

2. Use Mobile Banking

When you’re away from home or just on the go, your FNB Mobile App makes it easy to stay in control of your finances. Check balances, pay bills, transfer funds, deposit checks, and even turn your debit card on or off with just a few taps. It’s convenience and security, right in your pocket. Download our free Mobile Banking App today (available for iPad, iPhone, and Android). Learn more here: https://growwithfnb.com/digital-banking/mobile-banking/.

3. Be Cautious at the ATM

Summer travel can mean using unfamiliar ATMs. Be sure to use trusted ATM locations and always shield your PIN when entering it. If an ATM looks suspicious or tampered with, trust your instincts and find another location.

As a reminder, FNB customers with a Best Start Student Checking, Your Club Checking, or YourStart® Checking account can also use any ATM in the U.S. free of charge! Learn more here: https://growwithfnb.com/personal-banking/personal-checking/.

4. Budget for Summer Expenses

Between vacations, camps, back-to-school shopping, and utility spikes, summer spending can add up quickly. Use FNB’s budgeting template to plan and track your expenses: https://growwithfnb.com/wp-content/uploads/2023/08/Household-Budget-Interactive.pdf. A little planning now can go a long way in avoiding summer money surprises.

5. Watch Out for Scams

Scammers are active year-round, and summer is no exception. Be cautious with unexpected calls, texts, or emails that request personal or banking information. FNB will never ask you to verify account details or passwords through unsolicited messages. If something seems suspicious, contact your branch directly.

Stay Safe, Stay Informed, Stay Enjoying Summer!

At FNB Bank, we’re here to help you enjoy your summer with peace of mind, whether you’re close to home or miles away. If you have questions about travel alerts, mobile banking, or account security, don’t hesitate to contact our Customer Support Center at 888-934-2536. Your summer should be about fun and relaxation, not financial stress.

FNB Bank, Member FDIC and Equal Housing Lender.

FNB’s Recent Officer Promotions

Written by Chelsea Culp on June 30, 2025. Posted in Headlines.

FNB Bank is pleased to announce the recent promotion of officers at the Annual Meeting of the Board. During the meeting, the Board of Directors promoted Tyler Goodman to Vice President and David Jeffress to Senior Vice President.

Tyler Goodman has 6 years of banking experience and currently serves as Business Banking Officer for FNB. Tyler is a 2002 graduate of Graves County High School and a 2006 graduate of University of Kentucky where he earned a bachelor’s degree in Political Science. He is also a graduate of Kentucky Banker’s Association General Banking School and the Southeastern School of Commercial Lending. Tyler serves as a board member for Graves County Economic Development, the Annie Gardner Foundation, and the Mayfield-Graves County Senior Center. He is also actively involved with Mayfield Rotary Club and serves as a Graves County Commissioner. Tyler resides in Mayfield with his wife, Alex, and their daughter, Sidney.

David Jeffress has served as Chief Information Officer for FNB since 2017 and has over 23 years of experience in Information Technology. David is a 1997 graduate of Fulton City High School and a 2002 graduate of University of Tennessee at Martin with a Bachelor of Science degree in Computer Science. He also obtained a Master of Science degree in Information Systems from Murray State University in 2015. David resides in Farmington with his wife, Jessica, and their children: Sagan, Nolan, and Rosie.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $700 million. FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC. FNB is a 2021-2024 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner. The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg, and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Freedom Fest Parade on Friday, July 4th

Written by Chelsea Culp on June 18, 2025. Posted in Happenings.

Join us on Friday, July 4th at 9:30 AM for the FNB Freedom Fest Parade in Murray. Find your spot along Main Street and watch the floats from various businesses and organizations show off their patriotic spirit!

Please Note: The parade route begins at 10th Street & Memorial Baptist Church, and rolls down Main Street, ending at Cherry Street.

View the complete schedule of Freedom Fest events here: Freedom Fest — Murray, Kentucky Tourism.

Vic Swindler Joins FNB Bank as Chief Credit Officer

Written by Chelsea Culp on June 16, 2025. Posted in Headlines.

FNB Bank is proud to announce that Vic Swindler has joined FNB as Chief Credit Officer. Vic brings 21 years of banking experience having served in various roles throughout his career.

“We’re pleased to welcome Vic to the FNB team,” said Lori Noel, EVP & Chief Lending Officer. “His extensive banking background and proven leadership make him a strong addition as Chief Credit Officer. We’re confident his expertise will enhance our credit operations and support the continued growth of our lending portfolio.”

Vic is a 1995 graduate of Hickman County High School and a 1999 graduate of the University of Kentucky, where he obtained a Bachelor of Science in Agronomy with a minor in Ag Economics. He will also graduate from the Graduate School of Banking in Boulder, Colorado in July 2025. Vic currently serves as Treasurer for the Mayfield-Graves County Fuller Center for Housing. He attends First Baptist Church in Mayfield. Vic and his wife, Jennifer, reside in Mayfield. They have two adult children: Corryn and Reed.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 million. FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC. FNB is a 2021-2024 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner. The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg, and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB & ICBA Provide Tips to Support the Homebuying Process

Written by Chelsea Culp on June 12, 2025. Posted in Money Matters.

In recognition of National Homeownership Month, FNB and the Independent Community Bankers of America (ICBA) are encouraging consumers to consult their local community bank about how to make the homebuying process simple, efficient, and more affordable.

“An important component in building financial independence is owning a home,” stated Annie Suiter, AVP/Senior Mortgage Loan Officer. “At FNB, we want to simplify the homeownership process to make it as easy and affordable as possible. After we assess your needs, we can help find suitable options to finance your home, from first homes to forever homes.”

Whether you are refinancing or purchasing your home, FNB can help you determine:

The ideal loan amount and products to meet your budget considerations. We can review the mortgage process in detail and flag ideal programs and loan features.
How mortgage rates, terms, and related expenses (including property taxes and insurance premiums) affect payments. This will help you set a home budget and manage your homeownership expenses.
Your rights and obligations under your mortgage contract. Today’s consumers have many financing options—each with unique stipulations outlined in the fine print.
Suitable government-sponsored programs. In addition to federal homeownership and home-buying assistance programs, we can recommend state, local government, and specialty programs for consideration.

“Homeownership is an important step for many Americans in establishing financial stability and strengthening community roots,” said ICBA President and CEO Rebeca Romero Rainey. “Your community bank can help guide you through the process and provide tips to improve your position as informed buyers.”

For more information on how FNB can support your homeownership needs, visit us at Home Mortgages – Grow With FNB.

About FNB

About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.

As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.

Have You Looked at 529 Plans Lately?

Written by Chelsea Culp on May 29, 2025. Posted in Money Matters.

May 29 (5/29) is known as National 529 Day—a dedicated reminder to start planning for your child’s future education with a 529 college savings plan. At FNB Investments, we believe there’s no better time than today to begin building a strong financial foundation for tomorrow.

What Is a 529 Plan?

A 529 plan is a tax-advantaged savings plan specifically designed to help families save for education expenses. Whether you’re saving for a four-year university, trade school, or even K-12 tuition, a 529 plan offers flexibility and peace of mind.

Benefits of a 529 Plan

Tax Advantages
• Tax-free growth on earnings when used for qualified education expenses
• Tax-free withdrawals for tuition, books, room & board, and more

Use at Eligible Schools Nationwide
• From colleges to vocational programs, your savings can go where your child’s dreams take them.

Minimal Impact on Financial Aid
• As a parental asset, 529 plans have a relatively low impact on FAFSA calculations.

You Stay in Control
• The account owner—not the student—retains control of the funds, regardless of age.

Why Start Early?

Saving early—even in small amounts—can have a powerful impact thanks to compound growth over time. Delaying even a few years could significantly reduce what’s available. The earlier you start, the better your chances of reducing future debt for you and your child.

It’s a Family Affair

A 529 plan also makes a thoughtful gift. Grandparents, relatives, and even friends can contribute to the plan. It’s a meaningful way to celebrate birthdays, holidays, and milestones.

How to Get Started with FNB Investments

At FNB Investment Services, we’re here to help you navigate your college savings options with confidence. Our team can walk you through:
• How a 529 plan works
• Which plan fits your family’s goals
• How to open and manage your account
• Long-term strategies for education and beyond

Visit your nearest FNB Bank branch or contact FNB Investments today to learn more.

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer’s official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state’s 529.

Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

Investments are: Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.

Registered Branch Address: 101 E Broadway • Mayfield, KY 42066

FNB’s Lori Noel Appointed to Kentucky Agricultural Economic Development Board

Written by Chelsea Culp on May 20, 2025. Posted in Headlines.

FNB Bank is proud to announce that Lori Noel has been appointed to the Kentucky Agricultural Economic Development Board by Kentucky Commissioner of Agriculture Jonathan Shell. Lori currently serves as Executive Vice President and Chief Lending Officer for FNB and has an extensive banking background with over 33 years of experience. Lori will represent specialty crop producers on the Board.

Lori is a 1992 graduate of Marshall County High School and attended Murray State University. She is a graduate of the Southeastern School of Advanced Commercial Lending, Kentucky Bankers Association General Banking School, and Graduate School of Banking Wisconsin. Lori currently serves as a Trustee for the Southeastern School of Banking, Board member for Kentucky Ag Finance Corporation, and is currently participating in the West Kentucky Regional Chamber Alliance’s Leadership West Kentucky Program. Lori and her husband, Robbie, currently reside in Kirksey. They have four sons: Trevor, Tyler, Colton, and Colby, and three grandchildren.

During the 2025 Regular Session, the Kentucky General Assembly passed Senate Bill 28, establishing the Kentucky Agricultural Economic Development Board. This board was created to strengthen and expand Kentucky’s agricultural economy through strategic planning, targeted partnerships, and financial incentives. The board will administer programs, such as grants, forgivable loans, and revolving loan funds, to support infrastructure upgrades, market expansion, and value-added agricultural development. The overall goal is to attract private investment, create new economic opportunities, and uplift farming communities throughout Kentucky. The Board represents a collaborative effort between the Department of Agriculture, the General Assembly, Kentucky farmers, business leaders, and community stakeholders, all working to strengthen and expand Kentucky’s farm economy.

To learn more about the Kentucky Agricultural Economic Development Board, please visit: https://www.kyagr.com/Ky-agriculture/PressRelease/2025/Commissioner-Jonathan-Shell-announces-new-Kentucky-Agricultural-Economic-Development-Board.

Spirit Debit Card Reward Program Cards Spirit Debit Card Reward Program Cards

FNB Donates Over $20,800 Back to Local Schools Through Spirit Debit Card Program

Written by Chelsea Culp on May 19, 2025. Posted in Headlines.

FNB Bank is proud to announce that they have donated over $20,800 back to Mayfield, Graves County, Trigg County, and Marshall County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 1^st quarter 2025 Spirit Debit Card Program.

Marshall County Spirit debit card check presentation

Graves County Spirit debit card check presentation

“We are proud to offer our exclusive FNB Spirit Debit Card Program to our local schools,” stated Brooke Wiles, FNB Marketing Director. “Our customers have pride in knowing that they are making a difference in the lives of our youth by simply swiping their Spirit Debit Cards at the checkout. The donated funds allow the school systems the opportunity to do more for their students and staff, which is an invaluable asset to our community.”

The FNB Spirit Debit Card Program allows FNB and their customers the opportunity to give back to their local schools when they use their FNB debit card. FNB currently offers Spirit Debit Cards for Mayfield, Graves County, Trigg County, and Marshall County Schools. The Spirit Card works like a traditional debit card and for each signature-based transaction (not using your PIN), FNB donates $0.10 to the corresponding school. The tracking process is hassle free for the card holder, as FNB does all the tracking and submits the check to each school on a quarterly basis. The donated funds are utilized at the school’s discretion.

mayfield spirit debit card check presentation

Trigg County Spirit debit card check presentation

In 2024, FNB donated over $85,000 to their participating schools through the Spirit Debit Card Program. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com.

FNB’s Spring Into Giving Food Drive Supports Local Food Banks

Written by Chelsea Culp on May 7, 2025. Posted in Headlines.

FNB Bank is proud to announce the success of our Spring Into Giving Food Drive, thanks to the incredible generosity of our employees, customers, and community partners. Together, we collected approximately 1,100 food and personal hygiene items, along with $200 in monetary donations, all benefiting five local food banks across our service areas:

Mayfield-Graves County – Needline and Food Pantry
Murray-Calloway County – Needline
Marshall County – Caring Needline
Paducah-McCracken County – Family Service Society, Inc.
Cadiz-Trigg County – Helping Hands

FNB's Spring Into Giving Food Drive donation

Thank you to all who helped us make this food drive a success. A special thank you goes to Southern Family Dental of Murray for their generous donation of toothbrushes and toothpaste, helping us expand the reach of our efforts.

The Spring Into Giving Food Drive is a project of FNB Bank’s inaugural LEAD (Leadership, Education, and Development) Class. The LEAD Class is comprised of six employees from all different offices/departments and market areas who share a common goal of further developing their leadership skills and banking knowledge within FNB. As part of being in the LEAD Class, the group was charged with the task of coordinating a community service project to benefit each of FNB’s communities. The goal of the project is to give back to local food pantries that selflessly serve those in need on a daily basis. Donations to these organizations tend to decline after the holidays, and the project’s goal is to help raise awareness and give these organizations the boost they need for the spring and summer months.