YOUR SAVINGS JUST GOT A RAISE!

3.00% APY* WITH YOURSTART^®

YOUR SAVINGS JUST GOT A RAISE!

3.00% APY* WITH YOURSTART^®

Checking That Works. Savings That Grows.

Open an FNB YourStart^® Checking + Savings Bundle and earn 3.00% APY* on the first $15,000 in your savings account. Enjoy convenient everyday banking, digital tools, and the personal service of your local community bank.

APPLY TO OPEN

One Bundle. More Ways To Bank Better:

YourStart^® brings together the checking features you use everyday with a savings account that helps your money work harder.

NATIONWIDE ATM ACCESS

Enjoy unlimited complimentary ATM withdrawals nationwide.¹

FREE MOBILE BANKING

Bank from virtually anywhere with mobile banking and mobile deposit.²

UNLIMITED CHECK WRITING

Receive a complimentary box of checks and 30% off future check orders.

FREQUENTLY ASKED QUESTIONS

What is the YourStart^® Checking + Savings Bundle?

YourStart^® pairs an FNB checking account with a savings account designed to help you make everyday banking easier while building your savings. You’ll get convenient checking features plus the opportunity to earn a premium interest rate on your YourStart® Savings balance.

How much money do I need to get started?

YourStart^® is designed to make saving accessible. A savings balance of just $50 helps you avoid the $3 monthly savings service fee.

What interest rate will I earn on my YourStart^® Savings?

YourStart^® Savings currently earns 3.00% APY* on the first $15,000 in the account. This gives you the opportunity to earn a premium rate without needing a large savings balance to get started.

Does my savings account have to maintain $15,000 to earn 3.00% APY?*

No. The $15,000 amount is the balance limit for the premium interest rate—not a minimum balance requirement. YourStart^® Savings currently earns 3.00% APY* on the first $15,000.

Is there a monthly fee for YourStart^® Checking?

There is a $10 monthly service fee, but it can be avoided when 12 debit card transactions and one direct deposit or automatic payment (ACH) post and clear during the statement cycle.

Is there a monthly fee for YourStart^® Savings?

There is a $3 monthly service fee, which can be avoided by maintaining a savings balance of at least $50.

Can I access ATMs outside of FNB’s service area?

Yes. YourStart^® includes complimentary nationwide ATM withdrawals, giving you convenient access to your money when you’re away from home.

Is YourStart^® only for people with large savings balances?

Not at all. YourStart^® was designed to help make saving more accessible. You don’t need thousands of dollars in savings to get started, and maintaining just $50 in YourStart® Savings helps you avoid the $3 monthly savings service fee.

HAVE MORE QUESTIONS?

Ready for savings that work harder?

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Important Information
*YourStart® 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 August 3, 2026, is subject to change and may change after account opening. Interest rate applies to YourStart® Savings only. Fees could reduce earnings on account.¹For 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. ²The mobile app is free, however, message and data rates may apply.

WHEN YOU SWIPE YOUR CARD, YOU SAVE!

Change the way you save and turn that extra pocket change into something big with Your Swipe at FNB!

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CALL THE MAIN OFFICE:

270-247-1758

3.00% APY* WITH YOURSTART^®

3.00% APY* WITH YOURSTART^®

Checking That Works. Savings That Grows.