FNB Bank




Exclusive to our All-Star Checking account holders, the All-Star Savings account takes your banking to a whole new level. You’ll save money automatically with everyday purchases and reap the rewards of High Interest with no monthly service fees. Every time you swipe your FNB Debit Card the transaction amount is rounded up to the next dollar and the difference goes straight to your All-Star Savings Account. We’ll even match 100% of your savings for the first three months.

  • Must be paired with All-Star Checking
  • $50 minimum opening deposit
  • $50 minimum balance required to avoid $3 monthly fee
  • Round up most debit card transactions to the nearest dollar and the extra change goes straight to your savings account
  • Bank will match rounded savings dollar for dollar for the first three months after account opening

    • If the account is closed before matching funds are paid, the matching funds are lost
    • Bank will match 10% of rounded savings after the introductory 3 month period
  • $250 maximum match per year
  • Premium rate on the first $10,000 then standard rate on balances over $10,000
  • 4 free of charge withdrawals allowed per month ($2 per each excess withdrawal)
  • Checking account must have FNB debit card
  • One per each primary account holder

1Annual Percentage Yield (APY). For balances over $10,000.00 a standard rate of .10% APY will apply. APY information is accurate as of January 1, 2018 and is subject to change. Interest rate applies to All Star Savings only. All-Star Checking and Savings accounts each require a minimum opening deposit of $50.00. All Star Savings is only available with an All-Star Checking. All Star Savings is limited to one per primary account holder. Fees could reduce earnings on account. 2 Free Nationwide ATM service is limited to 5 transactions per statement cycle. For ATM fees $5.00 or greater ATM receipt(s) must be presented for reimbursement. 3 Mobile banking is required for mobile deposit. FNB Bank does not charge for mobile banking app, however, message and data rates may apply. Please see your local branch office for account disclosure information, full terms and conditions.


Your Savings will shine bright with our Star Savings. Save money automatically with everyday purchases when you use your FNB Debit Card. We’ll even match 100% of your rounded savings for the first three months. Spend Money. Save Money.


Liberty Savings is the perfect account for beginning savers.  This account allows you the liberty to earn a standard interest rate with a low minimum balance requirement.


Teach your children to save by raising them up right with our Rising Star Savings Account.  Rising Star is a long-term savings account with competitive interest earnings designed for those ages 18 and under. Children learn invaluable banking skills, while saving money for their future.
Feature All-Star Savings Star Savings Liberty Savings Rising Star Savings
Minimum Open/Minimum Balance $50 $50 $100 $1
Service Charge for falling below minimum $3 $3 $3 $0
Withdrawals Allowed 4 4 4 4
Fee per Excess Withdrawal $2 $2 $2 $2
Online & Mobile Banking, E-Statements
ATM Card
Free Paper Statements Must be combined with checking Must be combined with checking
Accepts Round Up Deposits from Checking
Type of Interest Tiered Flat Flat Flat
Rate Perks Premium rate on 1st $10K Premium Rate Until Age 18
Available to Businesses
Owner Restrictions All-Star Checking FNB DDA w/ Debit Card Under age 18


This account is designed for FNB customers who want to earn a premium interest rate.


A great way to save for Christmas and/or property taxes. Runs annually October to October.


A great way to save for a vacation or spring home improvement projects. Runs annually March to March.


An account to save for medical expenses when paired with a high deductible health plan.

Feature Liquid CD Money Market Plus Christmas Club Christmas Club Rewards Vacation Club Health Savings
Minimum Open / Minimum Balance $2,500 $2,500 $5 $5 $5 $0
Service Charge for falling below minimum $10 $10 $0 $0 $0 $20 Annual Fee
Withdrawals Allowed 2 6 Per Guidelines
Fee per Excess Withdrawal $20 $10 n/a n/a n/a n/a
Online & Mobile Banking E-Statements
Bill Pay
ATM Card
Visa Debit Card
Free Paper Statements
Type of Interest Tiered Tiered Flat Flat Flat Tiered
Rate Perks Rate locked for the quarter Locked for club cycle Premium Rate for all electronic Locked for club cycle
Available to Business
Owner Restrictions FNB DDA FNB DDA H S A Eligible
On Wednesday, January 24 from 5:15 pm to approximately 10:00 pm FNB's Main Office will experience a power outage that will cause all FNB ATMs to be temporarily unavailable, with the exception of the Jordan Drive ATM located in Paducah.