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¹Annual Percentage Yield (APY). For balances over $15,000.00 a standard rate of .25% APY will apply. APY information is accurate as of January 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. ²For 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. You can avoid a monthly $10 service fee when you have 12 debit card transactions and one direct deposit or automatic payment (ACH) post and clear during the statement cycle. As long as your savings balance is at least $50 you can avoid a $3 monthly fee. YourStart^® is only available as a bundle; the checking and savings each require a $50 opening deposit. Only one YourStart^® Bundle allowed per primary account holder. ³The mobile app is free, however, message and data rates may apply. ⁴YourStart^® Savings is only available with a YourStart^® Checking account. Your Swipe requires the checking account to have an FNB debit card; rounds up your total for every purchase to the nearest dollar and deposits the difference into your 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. After the introductory matching period, matching funds will be transferred to your savings account at the end of each calendar quarter. 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. Download the FNB Switch Kit >

Please see your local branch office for account disclosure information, full terms and conditions.