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Invest in a sure thing. Yourself. Starting can be as small as rounded up change that we match 100 percent for the first three months. Growing savings can be as simple as a new account with features that fuel your balance. We have accounts for beginners that build interest on low minimum balances, ways to save for a dream vacation, your family’s Christmas wish list or even medical emergencies. Start saving today, and you’ll start seeing a bright future as yours to bank on.
If you’re interested in making the switch to FNB Bank, 
download our easy to use Switch Kit.
YOURSTART® Checking + Savings Bundle
With our YourStart® Checking and Savings combo, you have more freedom and less fees with complimentary nationwide ATMs and mobile deposit.1 Plus, enjoy unlimited check writing and your first box of checks is on us with 30% off future 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 a premium interest rate on the first $15,000, currently 2.25% APY.2 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). The minimum opening deposit for each account in the bundle is $50.
Grow your savings faster by enrolling in our Your Swipe savings program which has helped currently enrolled customers save over $1.6 million since the program was started in 2008. Every time you swipe your FNB debit card, we’ll round up the purchase to the nearest dollar and transfer the difference right into YourStart® Savings. 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 up to $250 per year.3
The Your Swipe round up feature is available with the YourStart® bundle or when you pair a Great Start Savings with Great Start, Your Club or Best Start Student Checking. Learn more about how Your Swipe will get your savings on a roll >
GREAT START SAVINGS
The perfect account for beginning savers, Great Start Savings allows you to earn a standard interest rate with a low minimum balance requirement. Start saving today with a $100 minimum opening deposit with no monthly fee as long as you maintain a $100 minimum balance ($3 per month if balance falls below $100). You can have four free withdrawals monthly ($2 per each excess withdrawal). Pair with Great Start, Your Club or Best Start Student Checking and grow your savings faster by turning on Your Swipe, our round up savings feature.3
CHRISTMAS CLUB SAVINGS
A smart and easy way to save for Christmas or property taxes, sign up for Christmas Club Savings today with a minimum deposit of just $5 and no monthly service fee. Earn a competitive interest rate when you simply auto deduct savings in any amount up to $100 from your FNB checking account weekly, biweekly, semi-monthly or monthly and receive your payout in the form of an automatic deposit into your FNB account. You can also choose to make in branch deposits and receive your payout in the form of a check and earn a standard interest rate.
Christmas Club runs annually from October to October.
VACATION CLUB SAVINGS
A smart and easy way to save for vacation or home improvements, sign up for Vacation Club today with a minimum deposit of just $5 and no monthly service fee. You simply auto deduct savings in any amount up to $100 from your FNB checking account weekly, biweekly, semi-monthly or monthly.
Vacation Club runs annually from March to March and pays a competitive interest rate. You’ll receive your payout in the form of an auto deposit into your FNB checking account.
KIDS START SAVINGS
We help you start on the right path towards turning your children into lifetime savers with our Kids Start account. There is no minimum deposit to open ($1,200 maximum opening deposit) and no minimum balance requirements or monthly service charges. Kids Start Savings pays a competitive interest rate and allows four free of charge withdrawals per month ($2 for each additional). Some deposit restrictions apply and we may request a copy of birth certificate for age verification.
HEALTH SAVINGS (HSA)
An account to save for medical expenses when paired with a high deductible health plan. With this plan your savings mount up, not your medical bills. There is no minimum deposit required to open, no minimum balance required and a low $20 annual fee. A debit card is available as well as online banking and bill pay. Ask about our tiered interest rates. Check with your insurance provider for HSA eligibility.
MONEY MARKET PLUS
This account is created for FNB customers who want to earn a competitive interest rate. There is a $2,500 minimum opening deposit and minimum balance required (a monthly fee of $10 is charged if account falls below $2,500). Receive six free of charge withdrawals allowed per month ($10 for excess withdrawal).
Compare Personal Savings Accounts
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 APPLY NOW button 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.
| YourStart Savings | Great Start Savings | Christmas Club Savings | Vacation Club Savings | Kid Start Savings | Health Savings | Money Market Plus | |
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| Minimum Open / Minimum Balance | $50 | $100 | $5 | $5 | $0 | $0 | $2,500 |
| Service Charge for Falling Below Minimum | $3 | $3 | $0 | $0 | $0 | $20 Annual Fee | $10 |
| Withdrawals Allowed | 4 | 4 | n/a | n/a | 4 | As Per Guidelines | 6 |
| Fee Per Excess Withdrawal | $2 | $2 | n/a | n/a | $2 | n/a | $10 |
| Online & Mobile Banking, E-Statements |  |
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| Visa Debit Card | |
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| Free Paper Statements | Combined with Checking | |
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| Your Swipe Capability | YourStart Checking | Great Start, Best Start, Your Club Checking | |||||
| Type of Interest | Tiered | Flat | Flat | Flat | Flat | Tiered | Tiered |
| Rate Perks | Premium Rate on First $15,000 | Locked for Club Cycle | Locked for Club Cycle | Premium Rate until age 18 | |||
| Available to Businesses | |
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| Owner Restrictions | YourStart Checking | FNB DDA | Under age 18 | Requires Eligibility |
Important Information
1For ATM fees of $5 or greater, ATM receipt(s) must be presented for reimbursement. ATM fees 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.
2YourStart® Checking and Savings accounts each require a minimum opening deposit of $50.00. 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 March 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.
3Checking 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.
Overdraft fees may apply.
IT’S NEVER TOO LATE TO START SAVING
You want the best for your children. Start them now into lifetime savers with a Kids Start savings account. No minimum balance requirements as well as no monthly service charges means saving their pennies are more important than ever.
YOU WANT WHATS BEST FOR YOUR STUDENT
Everyone will earn an easy A with our Best Start Student Checking that’s perfect for the on the go student.
