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Author: Chelsea Culp

FNB's Spring Shred Event on Thursday, May 1st, 2025

FNB Announces Spring Shred Event in Mayfield

Written by Chelsea Culp on . Posted in Happenings.

FNB Bank will be hosting a free Spring Shred Event on Thursday, May 1st from 10 AM to 2 PM in Mayfield.  The event will provide the community the opportunity to dispose of paper documents and old, obsolete electronics. FNB has partnered with WPSD Local 6 for Super Shredder and OK E-Scrap for the Electronics Recycling. Both events will run simultaneously at separate locations.

“Shredding old personal documents and electronics is a very important step in protecting your identity,” stated Brooke Wiles, FNB Marketing Director.  “We’re very happy to be offering our community this Spring Shred Event.  It’s a win-win situation when you can clean out unwanted paper and electronics, all while protecting your identity in an environmentally friendly manner.”

WPSD Local 6 will be hosting “Super Shredder Thursday” at FNB’s Mayfield Main Office, located at 101 East Broadway. This is a great opportunity to safely dispose of personal documents without risking identity theft. Our shredding partner, Shred-it, will destroy up to 50 pounds of your personal documents for FREE! No business documents will be accepted. During the event, please enter FNB from the N 7th Street entrance (one way street between FNB and former Hall Hotel) and proceed through, exiting on N 6th North St (near the former Mayfield City Hall location). As a safety precaution, please stay in your car and allow our volunteers to unload the documents from your vehicle.

OK E-Scrap, LLC will offer our community the opportunity to recycle old, obsolete electronics for free at our current Operations Center, located at 105 E. North Street.  During the event, please access the electronics shred event from the North 6th Street entrance and proceed through, exiting on E North St. All materials recycled or shredded, will be disposed of in a safe and environmentally responsible manner by OK E-Scrap LLC.

Acceptable e-waste includes: Computers, Servers, Hard Drives, iPads/Tablets, Kindles, Electronic Book Readers, Flat Screen Monitors/TVs, Laptops, All Circuit Boards, DVD Players, VCRs, Modems, Cable Boxes, Satellite Receivers, Routers, Cell/Mobile Phones, Telephone Systems & Hardware, Insulated Cable & Wire, Video Game Consoles, USB Cords, Batteries (Li-ion, Cell Phone, Laptop, APC, UPS), Printers, Networking Equipment, and Scanners.

Unacceptable e-waste includes: CRT Monitors, Console TVs, Projection TVs, Paint or Varnish, Glass Bulbs, Household Batteries (Ni-Cd, Alkaline, Lithium Primary, Li-ion Polymer), Large/Small Box TVs, and Ink/Toner Cartridges. Certificates of Destruction will be available upon request for free with multiple hard drive serial numbers. Hard Drive shredding is also free.

For questions pertaining to the Spring Shred Event, please contact FNB at 270-247-1758 or via email at events@growwithfnb.com.

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.

Money Market Account vs. Money Market Funds

Money Market Accounts & Money Market Funds…What’s the Difference?

Written by Chelsea Culp on . Posted in Money Matters.

Money Market accounts and Money Market funds* serve different financial purposes and have distinct characteristics.

Money Market accounts are offered by banks and credit unions. They are essentially savings accounts with some checking account features, such as the ability to write checks or use a debit card. These accounts typically offer higher interest rates than regular savings accounts and are insured by the FDIC (Federal Deposit Insurance Corporation) or NCUA (National Credit Union Administration), providing a level of security for your deposits.

On the other hand, Money Market funds are a type of mutual fund that invests in short-term, high-quality debt securities, such as Treasury bills, certificates of deposit, and commercial paper. These funds are managed by investment companies and aim to offer higher returns than traditional savings accounts, though they come with some level of risk. Unlike Money Market accounts, Money Market funds are not insured, meaning there is a potential for loss of principal.

In summary, while both options offer liquidity and are generally considered safe, Money Market accounts are more suitable for those seeking security and insurance for their savings, whereas Money Market funds might appeal to investors looking for potentially higher returns with a willingness to accept some risk.

Click Here for our Current Money Market Account Special

 

*Money Market funds are not FDIC/NCUSIF insured, may lose value, are not financial institution guaranteed, not a deposit, and not insured by any federal government agency.

Trigg County Veterans Memorial Committee Donation

FNB Makes $5,000 Donation to Trigg County Veterans Memorial Committee

Written by Chelsea Culp on . Posted in Headlines.

FNB Bank (FNB) is proud to announce that they have donated $5,000 to the Trigg County Veterans Memorial Committee, to assist with the construction of the Trigg County Veterans Memorial Park. The memorial will be placed near Vinson Cemetery in Trigg County to remember the nine soldiers who died on March 29th, 2023, when two U.S. Army Black Hawk helicopters collided during a routine training exercise over a field off Maple Grove Road.

The original memorial will be dedicated to the fatal crash, with future plans for additional memorials to commemorate other veterans who died while serving our country. Plans for the initial memorial were unveiled at a ceremony following the Trigg County Veterans Parade on November 11, 2024.

“FNB proudly supports our military and is pleased to make this donation. March 29, 2023, was a tragic night in Trigg County and I applaud the committee’s efforts to create this memorial so we may never forget those nine soldiers. I am also happy to hear about the committee’s future plans that will memorialize other veterans from Trigg County that paid the ultimate sacrifice.”

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.

Use your Tax Return for your new home

Use Your Tax Return for Your New Home

Written by Chelsea Culp on . Posted in Money Matters.

Expecting a tax refund? While it may be tempting to spend the money on unnecessary or frivolous purchases, it’s important to make wise financial decisions to get the most out of your tax refund dollars. If you’re in the market to purchase a new home, there are numerous ways a tax refund can be beneficial:

  1. Boost Your Down Payment: Use your tax return to increase your down payment, which can reduce your loan amount and potentially lower your monthly mortgage payments.
  2. Cover Closing Costs: Allocate your tax return towards closing costs, which can include fees for appraisals, inspections, and legal paperwork. This can ease the financial burden during the home-buying process.
  3. Pay for a Home Inspection: A thorough home inspection is crucial before purchasing a new home. Your tax return can cover this expense, ensuring you make an informed decision.
  4. Start a Home Maintenance Fund: Set aside your tax return as a reserve for future home maintenance or unexpected repairs, providing peace of mind once you move in.
  5. Purchase Essential Appliances: If you’re buying a home that doesn’t come with appliances, your tax return can help you purchase essentials like a refrigerator, washer, or dryer.
  6. Invest in Energy-Efficient Upgrades: Use your tax return to make energy-efficient upgrades that can lower utility bills and add value to your home, such as installing a programmable thermostat or upgrading insulation.
  7. Enhance Curb Appeal: Consider using your tax return for landscaping or exterior improvements, which can boost your home’s curb appeal and potentially increase its resale value.
  8. Pay Down Existing Debt: Reducing existing debts can improve your credit score, potentially leading to better mortgage terms. Use your tax return to pay down high-interest debts.

Deciding the best way to spend your tax refund will ultimately come down to your financial goals and plans. If homeownership is one of those goals, utilizing your tax refund in any of the above ways will prove to be advantageous.

If you’re interested in learning more about FNB’s home loans or being connected with one of our experienced Mortgage Lenders, visit our online Mortgage Center here: Mortgage Center – Grow With FNB.

FNB Bank, Member FDIC and Equal Housing Lender. FNB Bank, Inc. NMLS ID: 556336.

Easter Coloring Contest and Art Exhibition

FNB’s 18th Annual Easter Coloring Page & Art Exhibition

Written by Chelsea Culp on . Posted in Happenings.

FNB’s 18th Annual Easter Coloring Page and Art Exhibition is happening now! Enter our 2025 Easter Coloring Page and Art Exhibition by downloading our Easter Coloring Page here: English/Spanish or by stopping by any FNB Office to pick up a printed copy. Completed pages must be turned in by 12:00 PM on Thursday, April 17th at any FNB Office. Five lucky kids (between the ages of 0-10) will be chosen at random to win $50! See below for official coloring page contest rules.

FNB Easter Coloring Page Official Guidelines

The deadline for participants to turn in their completed Easter Coloring Page is Thursday, April 17, 2025, by 12:00 PM at any FNB Banking Center. The $50 drawings for the Easter Coloring Page will be held after 12:00 PM on Thursday, April 17, 2025.  Each of FNB’s market areas will select a winner at random (Graves County, Calloway County, McCracken County, Trigg County and Marshall County).  Need not be present to win.  Winners will be selected at random.  Winners are required to be between the ages of 0-10.  The winners will be contacted via the phone number listed on the coloring page entry.  Winners will have through May 31st, 2025, to pick up their prize money at any FNB Banking Center. To enter by mail, send completed coloring page to the FNB Marketing Department, P.O. Box 369, Mayfield, KY  42066.  FNB employees and their immediate families are not eligible to win.

Please contact Chelsea Culp, Marketing Assistant at (270) 247-1758 or by e-mail at chelsea.culp@growwithfnb.com for all questions pertaining to the Easter Coloring Page Drawing.

FNB Pagina de Colorear de Pascua Reglas Oficiales

Los participantes tendran que entregar la pagina de Colorear de Pascua antes del Jueves 17 de Abril del 2025 a las 12:00PM en cualquier Centro Bancario FNB. Los sorteos del $50 para la Pagina de Colorear de Pascua se llevaran acabo despues de las 12:00PM el Jueves 17 de Abril del 2025. Cada una de las area de mercado de FNB seleccionara un ganador al azar. (Condado de Graves, Condado de Calloway, Condado de McCracken, Condado de Trigg y Condado de Marshall). No es necesario estar presente para ganar. Los ganadores seran seleccionados al azar. Los ganadores deben tener entre 0 y 10 años. Los gandores seran contactados a traves del numero de telefono que aparece en la pagina de colorear. Los ganadores tendrán hasta el 31 de Mayo del 2025 para recoger el dinero de su premio en cualquier centro bancario de FNB. Para participar por correo, envie la pagina para colorear al Departamento de Marketing de FNB, P.O. Box 369, Mayfield, KY 42066. Los empleados de FNB y sus familiars no son elegibles para ganar.

Comuniquese con Chelsea Culp, asistente de marketing al (270) 247-1758 o por correo electronico a chelsea.culp@growwithfnb.com para cual quier pregunta relacionada con el concurso de Pascua.

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

FNB Donates Over $85,000 Back to Local Schools Through Spirit Debit Card Program in 2024

Written by Chelsea Culp on . Posted in Headlines.

FNB Bank is proud to announce that they have donated over $85,000 back to Mayfield, Graves County, Trigg County, and Marshall County Schools through their Spirit Debit Card Program in 2024.  Most recently, FNB’s 4th quarter (2024) donation resulted in over $21,000 to the participating schools. 

“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. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com. 

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 Bank

FNB Makes $1,000 Christmas Donation to Two Charities in Benton-Marshall County

Written by Chelsea Culp on . Posted in Headlines.

During the month of December, FNB Bank made a $1,000 Christmas donation to two worthy charities on behalf of their customers and community members. Both Marshall County School’s Family Resource & Youth Service Center and Marcella’s Kitchen received $500 donations to assist with daily necessities and expenses. 

“FNB is excited to support these two great organizations with this Christmas donation,” stated Trent Lovett, Marshall County Market President. “Marshall County FRYSC and Marcella’s Kitchen are wonderful programs that provide tremendous assistance to those within our community, and we hope these donations will assist in furthering their missions this Christmas.”        

FNB Makes $500 Donation to Marshall County Family Resource Center
FNB Makes $500 Donation to Marcella's Kitchen

In addition to the bank’s monetary Christmas donation to Marshall County Family Resource & Youth Service Center, FNB employees donated gift items and money towards the cause. For more information on Marshall County School’s FRYSC, please visit: https://www.marshall.kyschools.us/page/family-resource-centers.

Marcella’s Kitchen is a community kitchen with the goal of serving the hungry of Marshall County by providing free meal regardless of age, financial status, etc. The Marshall County nonprofit serves more than 300 people daily. The Kitchen relies on donations and volunteers, as it does not receive government funding. To donate to the nonprofit, you can send a check to Marcella’s Kitchen at P.O. Box 272, Benton, KY, 42025.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 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.  

DREAM Check Presentation - Edward Jones

DREAM Together Check Presentation Held for Scott & Penny Fitzgerald

Written by Chelsea Culp on . Posted in Headlines.

A check presentation was held on Friday, December 20th, to present DREAM Together incentive funds to Scott and Penny Fitzgerald in the amount of $26,255.  The Fitzgeralds took advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank.  The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

The former Edward Jones office building of Scott and Penny Fitzgerald, located at 331 East Broadway, Mayfield, was destroyed in the December 10, 2021 tornado.  Reconstruction has begun on their new office, which is located at the same site as the previous building.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 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.  

About First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 now with assets exceeding $575 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender.

FNB MAKES $1,000 CHRISTMAS DONATION TO FAMILY SERVICE SOCIETY IN PADUCAH-MCCRACKEN COUNTY

FNB Makes $1,000 Christmas Donation to Family Service Society in Paducah-McCracken County

Written by Chelsea Culp on . Posted in Headlines.

During the month of December, FNB Bank made a $1,000 Christmas donation to the Family Service Society of Paducah on behalf of their customers and community members.

“This Christmas season, we are giving back to those who generously serve and make a difference in our community,” stated Ike Nichols, FNB’s McCracken County Market President. “We believe in the mission of the Family Service Society and are confident that this donation will make a positive impact for those in need this Christmas.”

Family Service Society provides assistance to residents of Paducah/McCracken County who are in need by assisting with basic needs such as food, clothing, prescription medications, emergency dental, utility assistance, personal hygiene items, household goods and Christmas food assistance. Family Service Society was founded in 1927 and is the second oldest non-profit organization in Paducah. For more information about the Family Service Society or to donate, please visit:  https://www.fsspaducah.com/.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 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, 2022, and 2023 ‘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.  

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