Author: Chelsea Culp

FNB Sponsors T-Shirts for Graves County School Employees

Written by Chelsea Culp on August 19, 2021. Posted in Headlines.

FNB Bank is proud to announce the sponsorship of Graves County School’s staff t-shirts for the 2021-2022 school year. The shirts were distributed to all employees of Graves County Schools to wear throughout the upcoming school year.

“We are honored to be the sponsor for this year’s staff t-shirts for Graves County Schools,” stated Brooke Wiles, FNB Marketing Director. “This school year has already shaped up to be another challenging year for our local educators with the COVID-19 pandemic. The t-shirt sponsorship is just a small token of our appreciation for the great work they do with the students in our community.”

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky and ranks among the highest in the nation in the area of safety and soundness. FNB is a 2021 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner. The bank currently has nine locations: Mayfield Main, Mayfield Southside, Wingo, Lone Oak, Paducah Midtown, Murray North, Murray South, Cadiz Main, and Cadiz West. FNB is member FDIC and an Equal Housing Lender.

FNB Donates Over $24,000 Back to Local Schools through Spirit Debit Card Reward Program

FNB Donates Over $24,000 Back to Local Schools Through Spirit Debit Program

Written by Chelsea Culp on August 6, 2021. Posted in Headlines.

FNB Bank is proud to announce that they have donated over $24,000 back to Mayfield, Graves County and Trigg County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 2nd quarter 2021 Spirit Debit Card Reward Program.

“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 Rewards 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 and Trigg 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.

In 2020, FNB donated over $79,000 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 Recent Officer Promotions

Written by Chelsea Culp on July 7, 2021. 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 Trice Seargent to Senior Vice President. Jaclyn Burnett, Dawn Followell, Jennifer Franklin, David Jeffress, Tim O’Brien and Rusty Smith were promoted to Vice President and Scarlett Hamilton was promoted to Assistant Vice President.

Trice Seargent has 24 years of banking experience and currently serves as Retail Banking Manager for FNB. Trice is a 1988 graduate of Murray High School and a 1997 graduate of Murray State University where he obtained a Bachelor of Science degree in Organizational Communication. He currently serves on the Murray Main Street Economic Development Committee and volunteers with Murray’s Soup for the Soul program. Trice is also the Pastor of Murray Family Church. He resides in Murray with his wife, Kristen. They have three daughters: Allie, Bethany and Anna.

Jaclyn Burnett has 17 years of banking experience and currently serves as Compliance Officer for FNB. Jaclyn is a 2004 graduate of Murray State University with a Bachelor of Arts degree in Organizational Communication and Theatrical Arts. She completed ABA National Compliance School in 2016. Jaclyn attends Lone Oak United Methodist Church and resides in Paducah with her husband, David.

Dawn Followell serves as Mortgage Sales Leader for FNB and has over 33 years of banking experience, with 21 years of experience in mortgage lending. She is a graduate of Massac County High School and attended Shawnee Community College and Paducah Community College with an educational focus in accounting and business. Dawn has formerly served as the President of the Paducah River City Business and Professional Women’s organization and is a graduate of the Leadership Paducah Class of 2000. She is a Certified Mortgage Loan Officer and has earned many prestigious honors for her dedication to her customers and performance. Dawn currently serves on Kentucky Housing Corporation’s Lender Liaison Committee. She also earned a Basic Underwriting Certificate from Mortgage Bankers Association. Dawn and her husband, Michael, currently reside in Paducah, KY and have two children, Kathryn and Emily.

Jennifer Franklin has 16 years of banking experience and currently serves as Senior Operations Officer for FNB. Franklin is a 2005 graduate of Murray State University with a Bachelor of Science degree in Economics and Accounting. She also graduated from KBA General Banking School in 2014 and the Mayfield-Graves County Chamber of Commerce Leadership program in 2021. Jennifer resides in Mayfield with her husband, Cary. They have two children: Alexis and Lucas.

David Jeffress has served as Chief Information Officer for FNB since 2017. David is 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 Murray with his wife, Jessica, and their children: Sagan and Nolan.

Tim O’Brien has over 24 years of banking experience and serves as Internal Auditor for FNB. Tim is a 1991 graduate of Paducah Tilghman High School and a 1995 graduate of Georgetown College where he obtained a Bachelor of Arts degree in History with a minor in English and Religion. He is a Certified Community Bank Internal Auditor through the ICBA. He is a graduate of Leadership Paducah – Class 32 and has volunteered with the Keys II program. Tim is a member of Broadway United Methodist Church and resides in Paducah. He has one daughter, Izabella.

Rusty Smith currently serves as BSA Officer for FNB and has 25 years of banking experience. Rusty is a 1988 graduate of Lone Oak High School and a 1993 graduate of Murray State University where he obtained a Bachelor of Science degree in Economics. He also obtained a Master of Science degree in Economics from Murray State University in 1995. He completed ABA Compliance School in 2002 and ABA Graduate School of Compliance Management in 2003. He was named an ICBA Certified BSA/AML Professional in 2019 and is a 2017 graduate of Leadership Paducah – Class 30. He previously served on the Child Watch Board of Directors from 2013-2019 and currently volunteers for the United Way of McCracken County PALS program and is involved with Airedale Terrier Rescue and Adoption programs. He is also an adjunct faculty member at West Kentucky Community and Technical College and Murray State University. He resides in Paducah with his wife of 20 years, Marjorie. They have 3 dogs and 7 cats.

Scarlett Hamilton serves as Customer Support Manager and has over 10 years of banking experience. She is a 1995 graduate of Graves County High School and obtained an associate degree from Mid-Continent University in 2011. She also graduated from KBA General Banking School in 2020. She currently serves as the Vice President for CASA of Graves County & Southwest KY and is a member of Smith Street Church of Christ. She resides in South Fulton, TN with her husband, Eric. They have two children: Hunter and Rebecca.

Super Shredder at FNB's Mayfield Main on June 17

Super Shredder at FNB’s Mayfield Main Office on June 17th

Written by Chelsea Culp on June 8, 2021. Posted in Happenings.

WPSD Local 6 will be hosting their “Super Shredder Thursday” event at FNB’s Main Office, located at 101 East Broadway in Mayfield on Thursday, June 17th from 10 AM to 2 PM. This is the perfect event for you to get rid of personal documents safely without risking identity theft.

As a safety precaution, please stay in your car and our shredding partner, Shred-it, will destroy up to 50 pounds of your personal documents for FREE! No business documents will be accepted.

Please Note: On the date of the event, please enter FNB from the 7th Street entrance (near Rita’s Café and the Hall Hotel) and proceed through, exiting on the 6th Street side (near City Hall).

For complete Super Shredder rules, please go to: https://www.wpsdlocal6.com/community/super-shredder/

Join our Facebook Event Page to stay up to date on event details: https://www.facebook.com/events/785978172052451

FNB Donates Over $21,500 Back to Local Schools Through Spirit Debit Program

Written by Chelsea Culp on May 10, 2021. Posted in Headlines.

FNB Bank is proud to announce that they have donated over $21,500 back to Mayfield, Graves County and Trigg County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 1st quarter 2021 Spirit Debit Card Reward Program.

“We are proud to offer our exclusive FNB Spirit Debit Card every year, but especially during a pandemic year,” stated Brooke Wiles, FNB Marketing Director. “Our local schools are facing challenging times and our hope is that the donated funds from our Spirit Debit Card Program will assist with funding new opportunities that benefit the students and staff.”

FNB Makes $500 Donation to The Papillion Center of Paducah

Written by Chelsea Culp on April 19, 2021. Posted in Headlines.

FNB recently made a $500 donation to The Papillion Center of Paducah. This donation will be used to assist with The Papillion Center’s mission to provide quality services and therapies for their clients.

“FNB is proud to support The Papillion Center of Paducah with this $500 donation,” stated Ike Nichols, FNB McCracken County Market President. “The Papillion Center services provide a positive impact on the community and we hope this donation will be beneficial in assisting with their mission.”

The Papillion Center is a faith-based, not-for-profit 501 (c)(3) therapeutic center utilizing different techniques to bring about hope and healing to children and families in hard places. Their mission is to provide quality services and therapies that will enhance the lives of clients who seek their assistance. They specialize in those affected by Trauma, Fetal Alcohol Spectrum Disorders, Neonatal Abstinence Syndrome and Attachment issues by addressing each of the identified areas of need: social skills, emotional intervention, therapeutic parenting skills, and nutritional and neurochemistry impact. They offer services including Therapeutic Intervention, Equine Therapy, Educational Workshops, Support Groups, Advocacy and Behavior Disregulation Programs. Learn more or make an online donation at: papillioncenter.org.

FNB Bank Awarded Designation of Savings Excellence by National Savings Program

FNB Awarded Designation of Savings Excellence by National Savings Program

Written by Chelsea Culp on April 14, 2021. Posted in Headlines.

FNB Bank has earned the annual America Saves Designation of Savings Excellence award. This honor is reserved for financial institutions who displayed exceptional achievement during America Saves Week activities.

“The effects of Covid-19 continue to destabilize our nation’s health and financial well-being. Those of us that equipped to support others during this time are in a unique position to make a huge impact in our communities. The recipients of the Designation of Savings Excellence made extraordinary efforts to encourage and support everyday Americans. Most significantly, by encouraging and motivating individuals to establish automatic savings and set goals around short and long-term savings goals, like saving for emergencies and retirement,” said George Barany, Director of America Saves. “The foundation set by the DOSE honorees extends well beyond America Saves Week.”

“Their commitment to their communities is evident through their actions. We are encouraged and proud to highlight the incredible achievements of these 12 financial institutions.”

FNB is one of only 6 banks and 6 credit unions honored with this distinction. Collectively, these financial institutions encouraged over 92,000 individuals to deposit $157,557,265 into new and existing savings accounts during America Saves Week.

“We are proud to be recognized as one of the six banks across the nation to earn the annual America Saves Designation of Savings Excellence award,” stated Brooke Wiles, FNB Marketing Director. “With the ongoing pandemic, we believe it is more important than ever for individuals to save money and be prepared for the unexpected. FNB customers are the real winner here, as they make the commitment to save money far beyond America Saves Week.”

2021 America Saves Designation of Savings Excellence Recipients:

Banks
Bancorp South Bank
FNB Bank
Mechanics Bank
Southern Bancorp Bank
Synchrony
WesBanco

Credit Unions
Baylands Family Credit Union
BCU
Jax Federal Credit Union
Mid-Hudson Valley Federal Credit Union
New Horizons Credit Union
Westmark Credit Union

America Saves Week is an annual event coordinated by America Saves with input from planning support that includes FDIC, AARP, AFCPE®, the National Foundation for Credit Counseling, Prudential, and more.

About America Saves

America Saves is a campaign managed by the nonprofit Consumer Federation of America that uses the principles of behavioral economics and social marketing to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. America Saves encourages individuals and families to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week. Learn more at americasaves.org and americasavesweek.org.

About FNB

America Saves: 3 Actions to Take During National Financial Capability Month

Written by Chelsea Culp on April 14, 2021. Posted in Money Matters.

April is National Financial Capability Month, when the Financial Literacy and Education Commission (FLEC) and the Ready Campaign encourage people to improve their financial futures and to be prepared when disaster strikes. Here are three actions you can take now to make sure you are ready for any financial disaster, big or small.

Have a Disaster Plan for Your Finances. Sure, you keep bottled water, canned goods, flashlights, and batteries close at hand, but you should also have a disaster plan in place for your finances. The first step is building and maintaining an emergency fund. Then you can make sure the rest of your finances are in order. The Federal Emergency Management Agency (FEMA) has a Financial First Aid Kit that is great for identifying all your important financial information and then helping you keep track of it.

Check Your Financial Well-Being.

Just like you should go see a doctor once a year for a check-up, so too should you assess your financial wellness. The Consumer Financial Protection Bureau (CFPB) has a nifty tool that lets you take a ten question quiz that not only evaluates your financial well-being, but also compares you to other Americans in your age group. Then it suggests ways to improve your score and where to find help.

Make Sure You’re Properly Insured.

Review your insurance coverage. Most homeowners and renters insurance policies do not cover flooding, so you may need to purchase a separate policy from the National Flood Insurance Program. An inch of water in your house can cause $25,000 of damage and 20 percent of flood claims come from areas outside of flood zones. Think because you’re a renter you don’t need insurance? If you don’t have renters insurance, and you lose your personal property to theft or disaster, you will have to replace everything out of pocket.

Let America Saves help you save money. It all starts when you make a commitment to yourself to save. Take the first step today and take the America Saves pledge to save money, reduce debt, and build wealth over time. And it doesn’t stop there. America Saves will keep you motivated with information, advice, tips, and reminders to help you reach your goal. Think of us as your own personal support system.

America Saves: Believing You Can Improve Your Financial Life

Written by Chelsea Culp on April 14, 2021. Posted in Money Matters.

When we find ourselves in times of financial hardship, it can overwhelm so many aspects of our life. Maybe you have debt that you’re trying to pay off, or your income has changed and you’re trying to make ends meet. There is no question that these financial situations can cause us stress if we’re unsure how to proceed. We not only become stressed about the future, we also become stressed about how we’ll manage to stay afloat right now. A recent poll conducted by the American Psychological Association (APA) found that stress and anxiety are on the rise among many Americans, and one of the areas found to produce the biggest increase in stress was finances. These feelings can be very isolating and can make it difficult to imagine that there is a way out of this phase of our life or that there is hope for a brighter tomorrow.

I know it can be hard, but it is important to remember that there is always hope – there are always steps that you can take to begin to make the improvements necessary to improve your financial footing.

Understanding where you are. When looking to improve your financial life, a great place to start is knowing your credit score. A recent Consumer Federation of America study highlights the importance of checking your credit score, as well as understanding the factors that go into creating your score. When you have this important piece of information, you’ll be on your way to understanding how to take the necessary steps to improve it!

Another way to gain a better understanding of your current financial situation is to take a look at your budget! Tracking your income and expenses will allow you to get a clearer picture of what money you have coming in and what money you have going out each month. Once you’ve tracked for the month, you’ll be able to figure out your income (the money you receive each month) and your expenses (the money you spent). Once you’ve calculated your income and expenses, you’ll be able to organize this information to help you better understand if there are some areas of your budget that you can adjust to help get you back on track.

Understanding what steps to take. Once you have a better understanding of your current financial situation, you’ll be able to identify some steps to take to help ease your current financial burden. For example, if you’re spending more than you’re making each month, take a look at your expenses and see what changes can be made. Are you able to reduce your expenses? Perhaps there are bills that may not be necessary right now, like movie and music streaming services, that can easily be stopped until you’re once again feeling comfortable enough to add these expenses back in. I know when I’ve hit times of financial strain, one of the ways I reduced my expenses was to stop ordering food in. I was able to drastically cut my expenses because I’d been spending so much throughout the month on takeout and delivery fees, and every little bit helped. It’s important to simply take a look at where your money is going, and to be honest with yourself about the changes that can be made.

If you’re working to pay down debt, another tip would be to work on paying down your higher interest debt first. This higher interest debt will end up costing you more money in the long run in interest fees, so focusing on paying it down first will help you save money while paying off your debt. If this is something that may benefit you, America Saves has some tips for you to begin paying off that higher interest debt.

Another step I’d recommend is to work on building emergency savings! It may seem counter-intuitive when you’re focusing on paying down debt and reducing expenses, but building a little cushion for financial emergencies will have a positive impact on both your stress and financial situation. Having a financial cushion will not only better prepare you for unexpected expenses, it will also prevent you from having to put more debt on a credit card you’re working to pay down. If you’re wondering how you can begin to build an emergency savings, I’d recommend doing so automatically!

Asking for help. Working to improve your financial situation can be overwhelming, and asking for help is an empowering step to take! A great place to start would be reaching out to your local Extension Office! Extension Educators across the state offer financially focused education and outreach that could be exactly what you need to get back on track. Locate your local Extension Office to see what services are offered and to be connected with other helpful resources where available. You may also want to look for other local agencies that offer free financial education, counseling, or planning to help you take control of your financial life. Pursuing financial education will provide you with the knowledge that can help you make the changes necessary for a brighter financial future.

Additionally, if your current financial situation is making you feel stressed or overwhelmed, talking to your friends and loved ones may help! A recent study from the APA highlighted that individuals who were able to reach out to someone for emotional support reported less stress.

Making yourself a priority. Because managing your finances can be a source of stress for many people, it’s important to remember to take care of yourself. If you’re feeling yourself becoming stressed or overwhelmed by everything, take some time to focus on you, making yourself and your health a priority. In fact, Anita Everett, M.D., the President of the APA believes that the recent poll showing increases in financial-related stress highlights a need for people to engage in activities like regular exercise, mindfulness, relaxation, and healthy eating to reduce the impact of stress on ourselves and our families.

No matter what the situation, you can do this! There is always hope to increase your financial security and make the changes necessary to live a financially healthy life. And when things get tough, just know that you’re not alone, and there are people and resources out there to help you through it!

By Amanda Woods, Ohio Saves

CALL THE MAIN OFFICE:

270-247-1758

Author: Chelsea Culp

FNB Sponsors T-Shirts for Graves County School Employees

FNB Donates Over $24,000 Back to Local Schools Through Spirit Debit Program

FNB’s Recent Officer Promotions

Super Shredder at FNB’s Mayfield Main Office on June 17th

FNB Donates Over $21,500 Back to Local Schools Through Spirit Debit Program

FNB Makes $500 Donation to The Papillion Center of Paducah

FNB Awarded Designation of Savings Excellence by National Savings Program

America Saves: 3 Actions to Take During National Financial Capability Month

America Saves: Believing You Can Improve Your Financial Life

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Author: Chelsea Culp

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