Bank Accounts and Services

• $50 Minimum to open.
• $500 and over – No monthly fee!
• $0 -$499.99 -- $9.00 per month, plus $0.30  per check after 20 checks.
• Image statements and image checks.
• Debit Mastercard with Card Suite Lite.

• $50 Minimum to open.
• No minimum balance.
• $5 monthly service fee, plus $0.25 per check over 20.
• Image statements and image checks.
• Debit Mastercard with Card Suite Lite.

• $50 Minimum to open.
• No minimum balance.
• $3 monthly service fee, plus $0.25 per check over 20.
• E-Statements only (available through Online Banking).
• Debit Mastercard with Card Suite Lite.

• $50 Minimum to open.
• You must be 55 or older at the time of opening the account.
• NO monthly service fee.
• Image Statements and Image Checks.
• Debit Mastercard with Card Suite Lite.

• $50.00 minimum deposit to open.
• $8.00 per month maintenance charge.
• Receive a credit of $.20 per $100 of the average collected balance to offset maintenance charges.
• $0.35 charge per debit item.
• Image statements and image checks.
• No credit for average collected balance under $750.00

• $50.00 minimum to open, no minimum balance required.
• $2.50 per month maintenance charge.
• E-Statements only (This is available through our Online Banking).

• $50.00 Minimum to open.
• $10.00 per month maintainance charge.
• $0.50 per check over 50 per month.
• Image statements and image checks.

• $100.00 minimum balance to open
• 6 withdrawals per calendar quarter ($2.00 per excess withdrawal)
• Service charge of $5.00 per quarter if the average daily balance falls below $100.00
• No minimum balance requirement for children under 18 or individuals over 55

• Must maintain minimum balance  for full term to maintain APY.*
• Multiple term lengths, from six month short term accounts, to long-term investments with terms of three to five years. 
• Excellent interest rates  (see our current deposit rates for more information).

*a penalty may be imposed for early withdrawal. 

• Minimum $500 to open, and $500 balance to obtain APY. 
• Tax-deferred earnings.
• Excellent interest rates (see our current deposit rates for more information)

• $2,500 Minimum to open.
• $2,500 and over – Earn a tiered interest rate based on account balance, with NO monthly service charge.
• $0 to $2,499.99 – Service charge: $9.00/month. No interest.
• Limit of 6 preauthorized debits  (withdrawals, automatic and internet banking transfers, checks, drafts, and debit card transactions) per statement cycle*
• $6 for each debit over the monthly limit.
• Debit Mastercard with Card Suite Lite.
• Rates available here.

• $2,500 Minimum to open.
• $2,500 and over – Earn FNB Now Rate*, with NO monthly service charge.
• $1,000 to $2,499.99 – Service charge: $6.00/month. No interest.
• $0 -$999.99 -- Service charge: $11.00/month. No interest.
• Limit of 15 withdrawals/debits per month. $0.30 for each debit over 15.
• Rates available here

• Text Banking - A simple method to access your accounts. If you can text, you can bank using six simple commands!
• Tablet App - Access your finances with the Tablet App for iOS, Android and Kindle.
• Mobile App - Banking with our Mobile App is faster than a browser and offers most of the same functionality of regular Online Banking. 
• Online Banking Website - www.fnb4u.com, our online solution for desktop and laptop computers. 
• Mobile Bill Pay - Once enrolled in Bill Pay through Online Banking you can enjoy all the conveniences of Mobile Bill Pay!
• Mobile Deposit Capture - Deposit checks and view history of processed deposit items from your mobile device.  PLEASE NOTE:  Mobile deposits do not post to your account in real time.