PERSONAL CHECKING ACCOUNTS THAT HELP YOU START STRONG.
PERSONAL CHECKING ACCOUNT FEATURES:
Open with $501
No Ongoing Minimum Balance
Complimentary Online Banking, Mobile Banking and Bill Pay2
Complimentary Online Statements3
No Fees for using FNB Bank cards at our ATMs
FNB Visa® Debit Card
FNB Fraud Watch Protection
We believe in second chances at FNB. If you’re in need of a second chance, when it comes to your banking, our Start Again Checking is the account for you. Apply for a checking account even if you’ve been turned down in the past.
Take advantage of checking made easy with no monthly fee, complimentary online statements and unlimited check writing. Do you prefer paper statements with images? If so, FNB’s Great Start Checking lets you review your statements your way with a low $3 monthly fee that is waived if you are age 55 or better.
You deserve checking that makes managing money an easy A. Get more out of your bank from the start with no monthly fee and a welcome pack of checks. You’ll also benefit from our mobile banking app with complimentary mobile deposit as well as up to five free nationwide ATM transactions per statement cycle.4 You can write up to five checks per statement cycle at no cost ($0.50 for each additional check) and get complimentary online statements.
Get even more benefits by being a club member. With a small monthly membership fee of $7, just $5 if age 55 or better or complimentary for active and former members of the US Military (one per military member). With Your Club Checking, you’ll enjoy club checks, unlimited check writing, paper or online statements, money orders, cashier’s checks and one small safe deposit box (where available).
BUNDLING ACCOUNTS WILL WARM YOU UP TO SAVING.
YOURSTART® CHECKING + SAVINGS BUNDLE
With our YourStart® Checking and Savings combo, you have more freedom and less fees with complimentary nationwide ATMs and mobile banking with mobile deposit.4 Plus, enjoy unlimited check writing and a welcome box of checks (with 30% off future check orders)! You can avoid a monthly $10 service fee if each month you have 12 debit card transactions and one direct deposit or automatic payment (ACH) post and clear during the statement cycle.
The YourStart® bundle features a savings account that earns premium interest rates on the first $15,000, currently 2.25% APY.5 As long as your savings balance is at least $50, you can avoid a $3 monthly fee. You’ll also enjoy four free of charge withdrawals per month ($2 per excess withdrawal).
JUMP START YOUR SAVINGS BY ROUNDING UP WITH FNB’S YOUR SWIPE FEATURE.
Grow your savings faster by enrolling in our Your Swipe savings feature. Every time you swipe your FNB debit card, we’ll round up the purchase to the nearest dollar and transfer the difference right into your YourStart® savings account. We’ll even match your rounded savings dollar for dollar for the first three months after account opening and 10 percent after the introductory three-month period.6
The Your Swipe round up feature is also available when you pair a Great Start Savings with Great Start, Your Club or Best Start Student Checking. Our Your Swipe customers saved $502,000 just in 2022! Learn more about how Your Swipe will get your savings on a roll.
NOT JUST ANOTHER ACCOUNT NUMBER. CHECKING FEATURES THAT COUNT.
At FNB we believe in second chances. Apply for a checking account even if you’ve been turned down in the past. This account has its own requirements including $100 minimum opening deposit with no minimum balance required. Direct deposit preferred and required if offered by employer or government agency. $10 set up fee and $12 monthly service fee.
FNB Bank is pleased to offer the opportunity to apply for a new account with us at your convenience. Now instead of having to visit a branch to open one of our great accounts, you can apply directly online. Click the button below to get started and make sure you have your social security number, mailing address (not PO box) and driver’s license to complete the application.
1YourStart® is only available as a bundle; the checking and savings each require a $50 opening deposit. Start Again Checking requires a $100 opening deposit.
2The mobile app is free, however, message and data rates may apply.
3Paper statements are free for Your Club Checking. They can be added to any other account for $3 per month.
4For ATM fees of $5 or greater, ATM receipt(s) must be presented for reimbursement. ATM fees are unlimited on YourStart Checking and will be reimbursed at the end of each statement cycle. Mobile banking is required for mobile deposit. The mobile app is free, however, message and data rates may apply.
5YourStart® Savings is only available with a YourStart® Checking account and only one YourStart® Bundle allowed per primary account holder. Annual Percentage Yield (APY). For balances over $15,000.00 a standard rate of .25% APY will apply. APY information is accurate as of November 3, 2023, is subject to change and may change after account opening. Interest rate applies to YourStart® Savings only. Fees could reduce earnings on account.
6Checking account must have FNB debit card. If the account is closed before the matching funds are paid, the matching funds are lost. There is a $250 maximum match per year. Dollar for dollar match for the first three months limited to one per primary account holder. All matching funds transferred to the savings account at the end of each calendar year.
Automatic Overdraft Coverage is not a line of credit. We do not guarantee that we will always authorize and pay any type of transaction. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. Overdrawn accounts must be brought to a positive balance promptly. An insufficient balance resulting in a fee can occur in several ways such as by check, in person withdrawal, ATM withdrawal, or other electronic means. It may also occur if funds are transferred or drawn against funds not yet available according to the bank’s funds availability policy. An Overdraft Fee of $35 will be charged per item paid, and a Non-Sufficient Funds (NSF) Fee of $15 will be charged per item returned. Overdraft fees may apply each time we pay or return an item due to insufficient funds, regardless of the number of times the item is presented. If an item is presented in a manner that FNB can affirmatively and automatically determine it has been previously presented, FNB Bank will not assess additional overdraft fees for the item. If you have been assessed more than one overdraft fee for the same item upon representment, please contact FNB Bank for assistance. See account disclosures for full terms and conditions.