The following FREE benefits are included with all Personal Checking accounts:


  • Mobile Banking
  • Online Banking & Bill Pay
  • Online Bank Statements + Images or E-mail Statements + Images
  • Info24 Banking – 1-800-808-9852 (automated telephone banking)
  • Debit or ATM card
  • Unlimited check writing
  • No fee for using FNB Bank cards at our ATMs
  • Up to $10/month reimbursement on non-FNB Bank ATM transactions

Club Checking

This account is ideal for those who want many benefits for a low monthly membership fee. You will find great deals and get paid to shop by earning cash with our Club Account’s Savings Made Easy shopping program. In addition to earning cash back, customers will find coupons and free shipping offers from top retailers and brands online. Ask us about our newest Club Account Savings Made Easy benefits.

  • $100 minimum deposit required to open
  • No minimum balance required
  • $8 monthly service fee
  • $5.50 monthly fee for Senior Club (age 55 and better)
  • Free Club Checks
  • Free Paper Statement + Images
  • Free Online Bank Statements + Images or E-mail Statements + Images
  • Money Order fees waived
  • Cashier Check fees waived
  • Safe Deposit Box – 1 year free (Box sizes are subject to availability and payment will be auto deducted from FNB account thereafter)
  • AD&D Insurance*

*Insurance products are not insured by the FDIC, not a deposit, not insured by any federal government agency, and not guaranteed by the bank.

Senior Checking

Perfect for those ages 55 and better who want an account with no monthly service fee or minimum balance requirements.

  • $100 minimum deposit required to open
  • No minimum balance required
  • No monthly service fee
  • Free Paper Statement + Images
  • Free Online Bank Statements + Images or E-mail Statements + Images

Interest Checking

Want to earn interest on your account? Our Interest Checking is a variable-rate interest bearing account that is designed for those who keep a $2,000 minimum balance.

  • $100 minimum deposit required to open
  • Maintain $2,000 minimum balance
  • $10/month fee if account falls below the minimum
  • Fees could reduce earnings on account
  • Free Paper Statement + Images
  • Tiered Interest-Bearing Account
  • Free Online Bank Statements + Images or E-mail Statements + Images

Select Checking

Do you enjoy the convenience of viewing your account information on paper statements with images? If so, FNB’s Select Checking account allows you the opportunity to do just that.

  • $100 minimum deposit required to open
  • Maintain $700 minimum balance
  • $6/month fee if account falls below the minimum balance
  • Free Paper Statement + Images
  • Free Online Bank Statements + Images or E-mail Statements + Images

Value Checking

This account is ideal for those looking for an account with no monthly service fee or minimum balance requirements.

  • $100 minimum deposit required to open
  • No minimum balance required
  • No monthly service fee
  • $3/month for Paper Statement without images (optional)
  • Free Online Bank Statements + Images or E-mail Statements + Images

Second Chance Checking

Trouble getting a checking account in the past? At FNB, we believe in second chances. We have options for everyone – even if you’ve been turned down for checking accounts in the past.

  • $100 minimum deposit required to open
  • No minimum balance required
  • Direct Deposit preferred and required if offered by employer or government agency
  • $10 set-up fee
  • $12 monthly service fee
  • $3/month for Paper Statement + Images (optional)
  • Free Online Bank Statements + Images or E-mail Statements + Images