Image Statements Checking Accounts Business Checking Interest-Earning Business Checking Savings Accounts Health Savings Accounts Lending Products Other Services Password-protect your card with Verified by Visa™ VISA Travelers Checks Deluxe ID TheftBlockSM Checking Accounts Free Checking The easy answer to your check-writing hassles! Minimum Deposit to Open: $50.00 No Service Charge. No Monthly Fees. No Minimum Balance Requirement. FREE On-Line Banking. FREE Check Card. FREE Use of FNBSC's ATMs. Unlimited Check Writing. Golden Lifestyle Checking Age has its privileges! So if you are 50 years old or better, then this is the interest-earning account for you. Minimum Deposit to Open: $50 No Minimum Balance Requirement. No Monthly Maintenance Fees. Variable Interest Paid Based on Collected Balance. (please see a CSR for current rate information) Tier 1: $ 0.00 - $ 2,499.99 Tier 2: $ 2,500.00 - $ 9,999.99 Tier 3: $10,000.00 - $24,999.99 Tier 4: $25,000.00 & up STAR ATM 24-HOUR Banker Card is Available. (separate application required) 200 Specialty Mint Checks per Year at no cost. FREE Personal Fax Services, Notary Service, Coupon/Bond Redemption, & Holiday/Gift Envelopes. FREE Domestic Wire Transfers. Imaged Checks Returned with Each Monthly Statement. GOLDEN OPPORTUNITIES CLUB If you maintain a $2,500 average monthly balance in an FNB checking account, savings account, or certificate of deposit (term of 6 months or longer) then you will be eligible to join our Golden Opportunities Club. You will receive exciting newsletters and enjoy seminars on topics specifically concerning Senior Citizens. We even have special social events each month and group travel opportunities. Priority ONE Checking For those customers who want the advantages of a low minimum balance checking account AND the ability to earn premium interest on their money, we recommend Priority ONE Checking. Minimum Deposit to Open: $50 Minimum Balance to Avoid Maintenance Fees: $500 If the balance falls below $500 at any time during the statement cycle, there is a $8.00 maintenance fee per statement cycle, plus $.35 per check or debit. This is waived the first statement cycle. Variable Interest Paid Based on Collected Balance. (please see a CSR for current rate information) Tier 1: $ 0.00 - $ 2,499.99 Tier 2: $ 2,500.00 - $ 9,999.99 Tier 3: $10,000.00 - $24,999.99 Tier 4: $25,000.00 & up STAR ATM 24-HOUR Banker Card is Available. (separate application required) Imaged Checks Returned with Each Monthly Statement. Back To List Business Checking Minimum Business Checking At FNB, we understand small business because we are ONE. We have created this account for those low volume business accounts who need a lower minimum monthly balance requirement. Minimum Deposit to Open: $200 Minimum Balance to Avoid Maintenance Fees: $500 If the balance falls below $500, there is a $7.00 maintenance fee per statement cycle, plus $.35 per debit transaction. This is waived the first statement cycle. Limited to 150 Transaction Items Per Statement Cycle. Imaged Checks Returned with Each Monthly Statement. Commercial Analysis Checking As your business grows, so does its account activity. If you process more than 150 transactions per statement cycle, then this is the account for you. Monthly fees are determined based on the activity of the account after an earnings credit reduction. Minimum Deposit to Open: $200.00 Monthly Maintenance Fee: $ 8.00 Per Item Paid: .18 Per Deposit: .15 Per Item in Deposit: .09 Coin Issued - Per Roll: .03 Currency Issued - Per $ 1 00: .08 Imaged Checks Returned with Each Monthly Statement. Back To List Interest-Earning Business Checking These interest-earning checking accounts are available to non-profit organizations, sole proprietorships, estates, churches, and trust or escrow accounts. NOW Minimum Business Checking An interest-earning checking account for low-volume business customers who fall within the above categories. Minimum Deposit to Open: $200 Minimum Balance to Avoid Maintenance Fees: $1,000 If the balance falls below $1,000, there is an $8.00 maintenance fee per statement cycle, plus $.35 per debit transaction. This is waived the first statement cycle. Limited to 150 Transaction Items Per Statement Cycle. Imaged Checks Returned with Each Monthly Statement. NOW Commercial Analysis Checking An interest-earning checking account for high-volume business customers who fall within the categories on page eight. This account is for businesses that process more than 150 items per statement cycle. Monthly fees are determined based on the activity of the account after an earnings credit reduction. Minimum Deposit to Open: $200.00 Monthly Maintenance Fee: $ 8.00 Per Item Paid: .18 Per Deposit: .15 Per Item in Deposit: .09 Coin Issued , Per Roll: .03 Currency Issued - Per $ 1 00: .08 Imaged Checks Returned with Each Monthly Statement. Back To List Savings Accounts Money Market Account For those individuals or businesses who want their money to earn premium interest rates associated with a Certificate of Deposit while maintaining the accessibility of funds through a checking account. Minimum Deposit to Open: $500 Minimum Balance to Avoid Maintenance Fees: $500 If the balance falls below $500 at any time during the statement cycle, there is a $5.00 maintenance fee per statement cycle, plus $.25 per debit transaction. Variable Interest Paid Based on Collected Balance. (please see a CSR for current rate information) Tier 1: $ 0.00 - $ 2,499.99 Tier 2: $ 2,500.00 - $ 9,999.99 Tier 3: $10,000.00 - $24,999.99 Tier 4: $25,000.00 & up STAR ATM 24-HOUR Banker Card is Available. (separate application required) Imaged Checks Returned with Each Monthly Statement. Number of Transactions are Limited to Six(6) Per Statement Cycle with No More Than Three (3) by Check, Draft, Debit Card or Similar Order to Third Parties. Regular Savings Account This account is available to individuals or businesses who want an interest-bearing account for their money with unlimited deposit availability. Minimum Deposit to Open: $50 Minimum balance to avoid fees $200.00 If the balance falls below $200.00 during the month, a $2.00 monthly maintenance fee is charged. Per Debit Fee in Excess of Three (3) Per Quarter: $3.00 STAR ATM 24-HOUR Banker Card is Available. (separate application required) Quarterly Statements. Please See a CSR for Current Rate Information. MOOLA MOOLA Savings Account A super way for the little tykes to begin a savings program! If your child is 12 or younger, then they can join the Moola Moola Club. Special incentives are awarded when certain savings goals are met and surprise events are held throughout the year for all! Minimum Deposit to Open: $25 Minimum Balance to Maintain Membership: $25 Per Debit Fee in Excess of Three (3) Per Quarter: $3.00 Quarterly Statements. Please See a CSR for Current Rate Information. Early Withdrawal Penalty If Account is Closed Within Six (6) Months of Opening: $15.00. Christmas Club Savings Account Avoid those bill-paying blues -that come every December by opening a Christmas Club Savings Account today! Small weekly or monthly deposits throughout the year can make Christmas a whole lot merrier. Minimum Deposit to Open: $5 Account Pays Out by Check Each October. Interest-earning IF Deposits Are Made by Automatic Draft or EFT Transaction. (please see a CSR for current rate inflation) Early Withdrawal Penalty If Account is Closed Prior to Maturity: Forfeit All Interest, PLUS $5.00 Service Fee. Certificates Of Deposit Our fixed-rate CDs offer a safe place for you to invest your money away from the fluctuations and insecurities often found in the stock market. You will know that the money is earning a competitive rate of interest during the length of time you choose. Minimum Deposit to Open: $500 Minimum Balance Requirements: 1-5 months $500.00 6-11 months $500.00 12-17 months $500.00 18-23 months $500.00 24-29 months $500.00 30+ months $500.00 Golden Opportunities Certificate $2,500.00 (12 months) Substantial Interest Penalty for Early Withdrawal. Individual Retirement Account Avoid the tax man by investing in an IRA today. Not only will you receive tax-deferred savings on your yearly income tax, but you will also be investing in your future by setting aside a retirement "nest egg." We offer variable and fixed rate IRAs with terms of 12, 18, and 30 months. Remember to consult your tax advisor regarding specific tax deductibility. Back To List Health Savings Accounts The purpose of a Health Savings Account is to pay, on a tax-free basis, the qualified medical expenses of an HSA owner and his family. To be eligible for a Health Savings Account, you must generally: be covered under a high-deductible health plan (HDHP) not be covered by any other health plan that is not a HDHP not be entitled to benefits under Medicare not be eligible to be claimed as a dependent on another person's tax return Minimum Deposit to Open: $100.00 One time set-up Fee: $25.00 Monthly Maintenance Fee: $3.00 Please See a CSR for Current Rate Information Visa Check Card will be issued for payment of qualified medical expenses Refer to IRS Publication 969 Health Savings Accounts Refer to IRS Publication 502 Medical and Dental Expenses Back To List Lending Products Consumer Loans We are pleased to offer secured and unsecured personal loans for your use. Whether you need to make home repairs, buy a new car or truck, or consolidate debt, we are here to help. Just ask for one of our friendly loan officers who will be happy to assist you. Upon credit approval, we can set up your simple-interest loan with convenient, easy payments. Business Loans We are here to help if you have a business which needs a loan for expansion, debt consolidation or fixed-asset purchases. See one of our loan officers today for any of the following types of loans: Secured Unsecured Single Payment Loans Term Loans Lines of Credit Letters of Credit Small Business Administration Guaranty Loans Rural Development Guaranteed Loans Mortgage Loans Buying a home is the single largest investment you will ever make. That is why we at FNB work hard to make our Mortgage Loans convenient and affordable for you. You get the added advantage of working with your friends and neighbors here at FNB who will make every effort to see that your "dream home" becomes a reality. See Us For: 10, 15, 20, 25, & 30 Year Loans The ONE Line Put the equity in your home to work for you with "The ONE Line." This is a revolving line of credit tied to the equity in your home and may be the only form of tax deductible interest available to you today. Use the money for home repairs, that dream vacation, or college tuition. Remember to consult your tax advisor regarding deductibility. The Personal ONE Line You only apply for this loan ONE time. After that, you have access to a pre-approved revolving line of credit which you can use at your discretion to purchase necessities, take that special vacation, make home improvements, pay school tuition, or make prudent investments. Back To List Other Services Visa Check Card / Visa Business Check Card One card that acts as a checkbook and an ATM card! With FNBSC's check card, you can pay for goods or services wherever you see the VISA logo displayed without ever having to write a check. In addition, your VISA check card functions as an ATM card and allows you to withdraw cash or transfer funds at any time of the day at any one of our ATM locations as well as any ATM that has the STAR logo displayed. Transactions are deducted from your checking account and appear on your monthly statement. It's that simple! STAR ATM Card Access your money 24 hours a day from thousands of ATMs throughout the country with our STAR ATM card. There is no fee when using an FNB machine and we are a member of the STAR Network. Safe Deposit Boxes Store those precious valuables at any one of our convenient branch office locations in a Safe Deposit Box. They will be secured against fire or theft and you will always have convenient access to them during banking hours. Deluxe ID TheftBlockSM Back To List Home Page | History of FNB | Products & Services | Online Banking ATM Locations | Wall Street Updates | Privacy Statement | Contact Us Website powered by Goldleaf Financial Solutions.