First Class Checking Account      

This First Class Checking Account is a club account loaded with benefits for one low monthly fee.

• No minimum balance required
• Unlimited check writing
• Only $10/month membership fee
• Payment Card Protection
• $10,000 24-Hour Accidental Death and Dismemberment Insurance
• ID Network Safety Service
• Key Ring Protection
• Lodging Discounts
• Grocery Coupons
• Movie Theatre Discounts
• Car Rental, RV, Lodging Chain Discounts and More
• Theme Park Discounts and Other Attractions
• Golf Discounts
• Hotel Savings Network Discounts at Popular Lodging Chains
• Two free orders per year of personal club stock checks
• Rebate Rewards
• Single signature Travelers Checks

Relationship Checking Account (Interest Bearing)

We have designed the Relationship Checking Account as a way to say thank you to the many customers who have placed their trust in us.  With qualifying account balances* in various accounts, you will receive numerous bank services at either a waived or reduced fee and with no monthly service fee.

Account Requirements

• $100 minimum opening deposit
• Maintain a $5,000 average collected balance in qualifying deposit accounts or $20,000 in qualifying deposit and loan accounts at FNB.

*Qualifying deposit accounts may be a combination of any one or more of the following:

• First Rate Savings
• Money Market Investment Account
• NOW Account
• Other checking accounts
• CDs/IRAs
• Loans/Lines of Credit

(To qualify, the deposits and/or loans will require the same account ownership as the Relationship Checking Account.)

A $12 monthly service charge will be applied if qualifying balances fall below the minimum average balance required within the statement cycle.

Benefits & Extras

• Unlimited check writing
• Interest paid and compounded monthly using the daily balance method
• 50% off check orders
• Internet Banking with free bill payment service
• Direct Deposit
• Free single-signature Travelers Checks
• One-half price dual signature Travelers Checks
• One-half price safe deposit box
• One-half price stop payments
• One-half price wire fee (U.S.)
• USATM usage *

* USATM usage allows you to use any ATM nationwide with no charge.  Covers the first $8.00 of ATM fees throughout the continental United States per month.  Available on selected accounts.

 

Regular Checking Account

The regular checking account is our basic non-interest bearing checking account.

• $100 minimum opening deposit
• Unlimited check writing
• No monthly fee when the monthly low balance is equal to or greater than $800
• Low monthly fee of $8.00 per month if balance is lower than $800

 

Free For All Checking Account

• Unlimited check writing
• No monthly service charge
• $100 minimum opening deposit
• If no deposit activity for 60 days, account converts to Regular Checking Account
• Check images are not returned in statement (truncated account)

Golden 50 Checking Account

This account is available to customers who have reached the age of 50.

• Unlimited check writing
• No monthly service charge
• $100 minimum opening deposit
• 50% Discount on printed checks (style of your choice)
• Free single-signature Travelers Checks

NOW Account (Interest Bearing)

• Unlimited check writing
• No monthly maintenance fee if balance remains above $1,500
• Not available to corporations and partnerships
• Interest paid and compounded monthly using daily balance method
• $6 monthly maintenance fee imposed plus $.15 per debit item if balance drops below $1,500
• $1,500 minimum opening deposit required
• USATM usage *

  * USATM usage allows you to use any ATM nationwide with no charge.  Covers the first $8.00 of ATM fees throughout the continental United States per month. Available on selected accounts.