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COVID-19 - FNB Banking Alert

Click here for up to date information. 

Updated 4/8/20

Covid Scam Alert GraphicIf you receive calls, emails, or other communications claiming to be from the Treasury Department and offering COVID-19 related grants or stimulus payments in exchange for personal financial information, or an advance fee, or charge of any kind, including the purchase of gift cards, please do not respond.  These are scams.  Please contact the FBI at www.ic3.gov so that the scammers can be tracked and stopped.

Fraud involving payment of Federal taxes should be reported to the Treasury Inspector General for Tax Administration.


Updated 3/27/20
yourstart

At FNB, we are continuing to look for ways that we can better serve our customers during these unprecedented times. At this time, we are announcing two additional ways that we are assisting our personal checking and savings customers with waived fees and activity requirements.

For a minimum of 60 days beginning March 27, 2020, FNB Bank will waive the following activity requirements for YourStart Checking accounts:
– One (1) automatic draft/deposit.
– Twelve (12) minimum debit card transactions.

In addition, Beginning March 27, 2020 through May 31, 2020, FNB Bank will waive excess withdrawal fees on Savings and Money Market accounts.1  

1Savings and Money Market accounts remain subject to closure for repeatedly exceeding periodic withdrawal limitations. Contact FNB Bank for details.


Updated 3/26/20
Understanding Fraud During the Coronavirus Outbreak
Source Kentucky Bankers Association

1. SUPPLY SCAMS
Scammers are creating fake shops, websites, social media accounts, and email addresses to sell medical supplies currently in high demand. When consumers attempt to purchase supplies through these channels, fraudsters pocket the money and never provide the promised supplies.

2. TREATMENT SCAMS
Scammers are offering to sell fake cures, vaccines, and advice on unproven treatments for Covid-19.

3. PAY UP FRONT TO GET FINANCIAL RELIEF
President Trump has instituted several economic relief plans including waived student loan interest, stopped collection of student loan debt, and allowing borrowers to pause student loan payments for 60 days. Scammers are tricking consumers into believing they must first pay a free to receive financial support.

4. FAKE CHARITIES
Scammers are “soliciting donations” for individuals, groups and areas affected by coronavirus that are not connected with a real charity.

5. FAKE STIMULUS CHECKS
Scammers are sending out fake checks to individuals telling them they overpaid but to cash the check and send the “overpayment” to the “government” or they will be penalized on their taxes.

6. PHISHING SCAMS
Scammers posing as national and global health authorities are sending phishing emails designed to trick recipients into downloading malware or provide personal information.

7. INVESTMENT SCAMS
Scammers are offering online promotions on various platforms claiming that the products and services of companies can prevent, detect or cure the coronavirus and that the stock of these companies will dramatically increase in value as a result. These promotions are often styled as “research reports,” make predictions of a specific “target price,” and related to microcap stock or low-priced stocks issued by the smallest of companies with limited public information.

kentucky bankers association covid-19 fraud footer


Updated 3/25/20
Seven things to consider when you consider withdrawing cash
Source: Kentucky Bankers Association

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1. CASH IS VULNERABLE
Your funds in bank accounts are federally insured to $250,000, making them much safer than keeping cash under the mattress or in your pocket.

2. CASH IS NOT REQUIRED
With so many secure ways to access your accounts and to pay your bills and shop, there’s almost no reason you’ll need extra cash.

3. CASH MAKES YOU A POTENTIAL VICTIM
If you have told anyone that you withdrew a large sum of cash, they may have told someone else. That places you at risk of being the victim of a crime, which can place you in harm’s way.

4. CASH DOES NOT HAVE YOUR ID
Stolen cash, even if recovered by the police, does not carry an ID number that associates it with you. Your bank accounts do. Even if your credit cards are misappropriated, you can recover the funds!

5. CASH IS, WELL, KIND OF DIRTY
The Center for Disease Control and Prevention recommends always washing hands thoroughly after handling cash because you never know where it’s been!

6. YOUR CASH IS SAFE
Kentucky Governor Beshear says that your cash is safe in the bank for all of the reasons listed above.

7. CASH WILL BE AVAILABLE
The U.S. Treasurer has already determined that banks are essential service providers. You will have access whenever you need it. We are your bank and we are here for you!


Updated 3/20/20
At FNB, we are continuing to look for ways that we can better serve our customers during these unprecedented times. We are happy to offer the following changes and account upgrades:

Effective 3/20/20, Mobile Deposits will be FREE to all personal customers. Now, you may practice social distancing and easily be able to make deposits from the convenience of your home and from the palm of your hand 24/7. In order to utilize our Mobile Deposit service, you will need to download our free Mobile Banking App (available for iPad, iPhone and Android). New Mobile Deposit users will need to complete the registration form and be approved before using the service. *Please note the FNB App is free, but standard rates and fees may apply from your wireless carrier.

Effective 3/20/20, FNB will begin waiving the penalties on early CD withdrawals for retail customers for an initial sixty-day period.

Effective 3/20/20 thru 6/30/20, FNB will be suspending late fee assessments on all existing FNB Bank and FNB Indirect loan customers.

As always, we appreciate your business and want to be there for you during this time. We encourage you to reach out to our Customer Contact Center if you have any questions. Please call 888-934-2536 should you have any questions during this time period. Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday. You may also message us here.

 


Updated 3/19/20

As COVID-19 health concerns evolve, we are all adjusting to a new way to work, live, and bank.  We understand that hardships have occurred and will continue to, as we all manage through this uncharted territory.  We appreciate your business and want to be there for you during this time.  Therefore, we are offering a Hardship Assistance Program for our FNB Bank and FNB Indirect loan customers.  If you have a home mortgage, personal loan, small business loan, or a loan through FNB Indirect, we are offering a loan assistance program beginning March 19, 2020 until further notice.  Please complete our Hardship Assistance Form here and your lender will be in touch with you soon.  In the meantime, if you have any questions, please feel free to contact your lender at their direct office number or you may call our Customer Call Center at 888-934-2536.


Updated 3/18/20
As COVID-19 health concerns evolve, we want to be transparent with our actions and continue serving you with all your financial needs.  While keeping our customers and employees’ health and safety top of mind, we will be temporarily redirecting the way we conduct business in order to follow proper social distancing guidance.  Effective Thursday, March 19, 2020, we want to make everyone aware of how FNB Bank, Inc. will conduct businesses until further notice.

The following changes will take place effective Thursday, March 19, 2020:

Lobby Service: All FNB Banking Centers will be providing lobby services by appointment only until further notice.
Drive-Thru Service: All FNB Drive-Thru’s will be open regular business hours.  During this time, our Drive-Thru’s will be offering extended services.

  • Cashier’s Checks
  • Money Orders
  • Cash Advance
  • New Debit Cards
  • Travel Cards
  • Gift Cards

For the following Drive-Thru services, please call ahead to place your work order.  Lobby pick-up can be arranged as needed.

  • Excess Cash Withdrawals (greater than $10,000)
  • Change Orders
  • Excess Loose Coin: Customers can leave change to be rolled or counted but cannot wait in the lobby for it. The customer can pick up the cash via the drive-thru or we can deposit the funds in the customer’s designated account.

24/7 Self-Service Options:

  • Online Banking: Monitor your accounts, pay bills, transfer money and more. Simply follow this link to enroll in Online Banking.
  • Mobile Banking: Monitor your accounts, pay bills, transfer money and more from the palm of your hand! Download our Free Mobile Banking here. 
  • Mobile Deposit: Deposit checks from anywhere, using our FNB Mobile Banking App.
  • ATM Service: All FNB ATM’s will be operating during this time. Click here for FNB ATM List.    
  • Address/Phone Number Changes: Should you need to update your address or phone numbers, please update within our online or mobile banking platforms or you can call our Customer Contact Center at 888-934-2536 to make the updates.
  • Stop Payment: Please complete a Stop Payment within our online or mobile banking platforms or you can call our Customer Contact Center at 888-934-2536 to issue the stop payment.
  • Account Opening: Online account opening is available. Click here to get started. 
  • Report a Lost or Stolen Debit Card: Call 1-844-202-5333 (click option #1 when prompted).

Loan Applications/Closings:

  • Loan applications will be started online or over the phone. Our lenders will be happy to guide you through the process via phone and e-mail.  Want to start an online application for a Personal Loan or Home Mortgage?  Click here to get started.
  • Loan closings will be arranged by appointment only.

Customer Call Center:  Our Customer Contact Center is ready to help.  Please call 888-934-2536 should you have any questions during this time period.  Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday.  You may also feel free to message us here.


Updated 3/13/20
At FNB, the health and well-being of our customers, employees and communities is our top priority.  With the impact of the Coronavirus (COVID-19) spreading throughout the country, we want to ensure you that we are taking proper precautions to monitor the situation, protect your best interests, and be responsive to your needs. While the virus has not impacted the communities that we serve at this time, we want to encourage you to use FNB’s digital tools and other self-service banking resources, should you want to limit your trips to the bank while the situation evolves.

The following FNB services allow you 24/7 account access and peace of mind:

  • Online Banking – Monitor your accounts, pay bills, transfer money and more. Simply follow this link to enroll in Online Banking.
  • Mobile Banking – Monitor your accounts, pay bills, transfer money and more from the palm of your hand! Download our Free Mobile Banking here. 
  • Mobile Deposit – Deposit checks from anywhere, using our FNB Mobile Banking App.
  • FNB ATM’s – Click here for a complete ATM list.
    • Don’t forget, if you are a YourStart Checking + Savings customer, you have free unlimited nationwide ATM transactions. If you are a Best Start Student Checking customer, you have 5 free nationwide ATM transactions per statement cycle.
  • Text Banking – Get access to your account balances, view your last five transactions, and perform transactions or transfers. Learn more here.
  • Info24 (Telephone Banking via touch-tone phone) – Simply call 1-800-808-9852 to access to your account activity and balance information. You may also transfer funds between your FNB accounts and get loan information.
  • Remote Deposit Capture – Business customers can make deposits without ever leaving their desk with FNB’s Remote Deposit Capture
  • To report a lost or stolen debit card, please call 1-844-202-5333 (click option #1 when prompted).

As always, the health, safety and well-being of our customers, our employees and our communities is our top concern. We will continue to monitor this quickly evolving situation and are here to assist our customers as needed.  Our Customer Contact Center is ready to help.  Please call 888-934-2536 should you have any questions during this time period.  Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday.  You may also feel free to message us here.

To stay informed about COVID-19, please go to http://kycovid19.ky.gov/ and https://www.cdc.gov/ for the most current state and national guidance.

We appreciate your business and want to be transparent with our actions during this situation.  Thank you for allowing us to serve you with all your financial needs.

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