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The routing number for FNB Bank is 083901087.

FNB WIRE INSTRUCTIONS:

  • Receiving Bank: FNB Bank
  • Receiving Bank RTN: 083901087
  • Beneficiary Name: [Customer Name]
  • Beneficiary Acct #: [Customer Account Number]
  • Beneficiary Address: [Customer Address]
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New to FNB Online Banking?



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FNB Personal Checking Accounts
PERSONAL CHECKING

ACCOUNTS THAT DON’T JUST PAY BILLS. THEY PAY OFF.

FNB Personal Checking Accounts
PERSONAL CHECKING

ACCOUNTS THAT DON’T JUST PAY BILLS. THEY PAY OFF.

PERSONAL CHECKING ACCOUNTS THAT HELP YOU START STRONG.

Like you, our personal checking accounts are great at multi-tasking, from our bundled account that pays premium interest and turns small change into savings, to accounts for college students, or service members. Get checking with more complimentary benefits and features that get you compliments on your money sense. Start an account that’s your starting gate.

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
  • Digital Wallets
  • FNB Fraud Watch Protection

Personal Checking Account Comparison

Start Again Logo

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.

Click here to learn how you can get your second chance.

Great Start Checking

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.

Best Start Student Checking (Ages 14-24)

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 withdrawals 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.

Your Club Checking

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, one small safe deposit box (where available) as well as up to five free nationwide ATM withdrawals per statement cycle.4

YourStart® Checking

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 ATM withdrawals 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 2 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 $562,187 just in 2023! Learn more about how Your Swipe will get your savings on a roll.

NOT JUST ANOTHER ACCOUNT NUMBER. CHECKING FEATURES THAT COUNT.

Start Again Checking

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.

Important Information
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 other accounts 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. Best Start and Your Club ATM fees will be reimbursed immediately. 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 June 3, 2024, 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/NSF 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/NSF fee for the same item upon representment, please contact FNB Bank for assistance. See account disclosures for full terms and conditions.

If you’re interested in making the switch to FNB, download our easy to use Switch Kit or stop by your nearest FNB Office for assistance with completing.

READY. SET. GET YOURSTART© TODAY!

Earn our premium interest rate of 2.25% APY on the first $15,000 with our YourStart Checking + Savings Bundle. You can also enjoy the convenience of free nationwide ATM withdrawals and the Your Swipe round up savings feature. Open the YourStart Checking + Savings Bundle today!

CONTACT

FNB MAIN OFFICE

Call: 270-247-1758
Toll Free: 888-934-2536

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