FDIC Insured Deposit Accounts

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FNB Platinum
Checking

Details

  • Earn Interest on Account Balance
  • No Monthly Maintenance Fees
  • Link to FNB Platinum Savings
  • Free checking that pays high interest
    • 2.50% APY* on balances up to $20,000
    • 2.50% to 0.63% APY on balances over $20,000 depending on balance in account*
    • 0.05% APY* if qualifications aren’t met
  • Link to FNB Platinum Savings
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Digital Banking with bill pay
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free online/mobile banking
  • Free Mastercard® debit card
  • $50 minimum deposit to open
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

Qualifying for FNB Platinum Checking  Rewards is Easy.

Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Platinum Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • Log in to online or mobile banking each monthly qualification cycle

And if you don’t meet these qualifications, don’t worry. Your account is still free, and you’ll earn our base rate. You can get right back to earning your full rewards the very next cycle that you qualify.

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FNB Kickback
Checking

Details

  • Earn Cash Back on Debit Card Purchases
  • No Monthly Maintenance Fees
  • Link to FNB Platinum Savings
  • Free checking that pays you back
  • Earn 1.00% Cashback on debit card purchases*
    • No category restrictions on purchases
    • Cashback earned on up to $600 in purchases monthly
    • Earn up to $72 cashback per year, or $6 per month
  • Link to FNB Platinum Savings
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Digital Banking with bill pay
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free online/mobile banking
  • Free Mastercard® debit card
  • $50 minimum deposit to open
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

Qualifying for FNB Kickback Checking Rewards is Easy.

Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Kickback Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • Log in to online or mobile banking each monthly qualification cycle

And if you don’t meet these qualifications, don’t worry. Your account is still free, and you’ll earn our base rate. You can get right back to earning your full rewards the very next cycle that you qualify.

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Truly Free
Checking

Details

  • A Free Account for Anyone
  • No minimum balance after $50 minimum deposit to open
  • No monthly maintenance fees
  • No minimum balance after $50 minimum deposit to open
  • No monthly maintenance fees
  • Free Mastercard® debit card
  • Free Digital Banking with bill pay
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free Mobile* Banking with Mobile Deposit
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

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High Interest
Checking

Details

  • FREE box of checks per year
  • Higher Interest Rate with a Balance of $2,500 or more
  • Competitive Interest: See Rate Table Below
  • Only $2,500 Minimum Balance to avoid a low monthly fee of $7
  • FREE box of checks per year
  • Free Mastercard® debit card
  • Free Digital Banking with bill pay
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free Mobile* Banking with Mobile Deposit
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

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Personal Checking Accounts

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldInterest Rate TierCompounding Frequency
50 PLUS INTEREST CHECKING 0.30% 0.30% Minimum Deposit $50 Monthly
HIGH INTEREST
CHECKING
1.00% 1.00% Minimum Deposit $50 Monthly
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50 Plus Interest Checking

Details

  • FREE box of checks per year
  • Competitive Interest Rate
  • No minimum balance after $50 minimum deposit to open
  • No monthly maintenance fees
  • FREE box of checks per year
  • Competitive Interest Rate- See Rate Table Below
  • Free Mastercard® debit card
  • Free Digital Banking with bill pay
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free Mobile* Banking with Mobile Deposit
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

View Disclosures

Personal Checking Accounts

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldInterest Rate TierCompounding Frequency
50 PLUS INTEREST CHECKING 0.30% 0.30% Minimum Deposit $50 Monthly
HIGH INTEREST
CHECKING
1.00% 1.00% Minimum Deposit $50 Monthly
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Savings Accounts

FNB Platinum Savings
  • Free account that builds your savings effortlessly
  • Requires a FNB Reward Checking Account
  • Links to FNB Platinum Checking or Kickback Checking
  • 1.25% APY* on balances up to $100,000
  • 1.25% to 0.75% APY on balances over $100,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free Digital Banking
  • Free My Credit Manager in Digital Banking
  • Free eStatements
  • Free mobile** banking
  • $50 minimum deposit to open

Qualifying for the higher Platinum Savings rate is a breeze.

Qualifying for your FNB Platinum Checking or Kickback Checking rewards automatically qualifies you for the highest Platinum Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Reward Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and review eStatements
  • Log in to online or mobile banking each monthly qualification cycle

If for some reason you don’t meet these qualifications, don’t worry. You can still earn our base rate on Platinum Savings Account and get right back to earning full rewards the very next cycle that you qualify.

Apply Now

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Statement Savings

FNB Bank’s basic Statement Savings Account allows you to set aside money to reach any savings goal you may have; such as saving for a college education, a house, or retirement.

  • Earn a competitive rate of interest on your account.
  • No monthly service charge if you maintain a minimum balance of $50
  • Quarterly statements to follow the growth of your savings for that special goal
  • Free eStatements available as well

Apply Now

Savings Accounts

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldInterest Rate TierCompounding Frequency
SAVINGS 0.20% 0.20% $50 - $9,999.99 Quarterly
0.25% 0.25% $10,000 - $49,999.99 Quarterly
0.30% 0.30% $50,000 - $99,999.99 Quarterly
0.60% 0.60% $100,000 - $249,999.99 Quarterly
1.00% 1.00% OVER $250,000 Quarterly
YOUTH SAVINGS ACCOUNTS 0.20% 0.20% $50 - $9,999.99 Annually
0.25% 0.25% $10,000 - $49,999.99 Annually
0.30% 0.30% $50,000 - $99,999.99 Annually
0.60% 0.60% $100,000 - $249,999.99 Annually
1.00% 1.00% OVER $250,000 Annually
Youth Savings Accounts

Teach your child the value of saving with an FNB Youth Savings Account.

  • Available to open for youth 0-13 years old (converts to traditional statement savings at 18)
  • A no-fee account that requires a $10 minimum deposit
  • Interest is earned at the Bank’s Statement savings account rates but is compounded annually
  • Child earns a prize for each in branch or in-school deposit

We offer two great accounts based on your location.  For our West Virginia residents, Our Mountaineer Savings Account is led by Mr. Mountaineer, who may be seen visiting your local school or walking in the community parade. FNB Bank visits Hampshire and Mineral County elementary schools to accept deposits throughout the school year. Deposits are also accepted in all of our Branch offices.

For our Virginia customers, ask about the Explorer Savings Account.  Same great features, but led by our great team of young treasure hunters.

Savings Accounts

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldInterest Rate TierCompounding Frequency
SAVINGS 0.20% 0.20% $50 - $9,999.99 Quarterly
0.25% 0.25% $10,000 - $49,999.99 Quarterly
0.30% 0.30% $50,000 - $99,999.99 Quarterly
0.60% 0.60% $100,000 - $249,999.99 Quarterly
1.00% 1.00% OVER $250,000 Quarterly
YOUTH SAVINGS ACCOUNTS 0.20% 0.20% $50 - $9,999.99 Annually
0.25% 0.25% $10,000 - $49,999.99 Annually
0.30% 0.30% $50,000 - $99,999.99 Annually
0.60% 0.60% $100,000 - $249,999.99 Annually
1.00% 1.00% OVER $250,000 Annually
Christmas and Vacation Club Accounts

FNB Bank now offers a savings tool for both Christmas and Vacation needs.

  • Accounts pay a fixed interest rate
  • Club Accounts will automatically renew yearly
  • Direct deposit payouts for the account balance plus accrued interest
  • Christmas Club payout in October
  • Vacation Club payout in May

Small Business and Organization Accounts

FNB Bank offers a full suite of resources to help your business. Our business checking accounts offer comprehensive online/mobile banking solutions, featuring online bill pay, mobile deposit, and opportunities to activate business payroll accounts, ACH’s and wires. Fees may apply.

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Truly Free Business Checking

Details

  • Unlimited FREE monthly transaction items
  • No Minimum Balance after $50 minimum deposit to open
  • No Monthly Service Charge
  • Unlimited currency deposited per month
  • Unlimited FREE monthly transaction items
  • No Minimum Balance after $50 minimum deposit to open
  • No Monthly Service Charge
  • Unlimited currency deposited per month
  • Free Debit Mastercard BusinessCard®
  • Free Online Banking
  • Free Bill Pay
  • Free eStatements
  • Free Mobile* Banking with Mobile Deposit
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10**

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Business Interest Checking

Details

  • Unlimited FREE monthly transaction items
  • Competitive Interest Rate
  • Unlimited currency deposited per month
  • Unlimited FREE monthly transaction items
  • Competitive Interest: See Rate Table Below
  • Only $5,000 Minimum Balance to avoid a low monthly fee of $7*
  • Unlimited currency deposited per month FREE
  • Free Debit Mastercard BusinessCard®
  • Free Online Banking
  • Free Bill Pay
  • Free eStatements
  • Free Mobile** Banking with Mobile Deposit
  • FREE Thank You Gift
  • BUY BACK of your debit cards and unused checks from another financial institution up to $10***

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Business Checking Accounts

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldInterest Rate TierCompounding Frequency
BUSINESS INTEREST CHECKING 0.30% 0.30% Minimum Deposit $5,000 Monthly
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Certificates of Deposits (CD’s)

CD’s** are one of the most widely held and accepted investments around.  FNB Bank CD’s offer a wide variety of options to fit any investors need.

  • Pays a fixed rate of interest on your deposit for a fixed period of time
  • 3 Month to 60 Month Term CD’s Available

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CD Accounts**

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldMinimum DepositCompounding Frequency
3 MONTH CD 0.50% 0.50% $2,500.00 Quarterly
6 MONTH CD 0.75% 0.75% $1,000.00 Quarterly
12 MONTH CD 0.85% 0.85% $1,000.00 Quarterly
18 MONTH CD 1.00% 1.00% $1,000.00 Quarterly
24 MONTH CD 1.24% 1.25% $1,000.00 Quarterly
30 MONTH CD 1.49% 1.50% $1,000.00 Quarterly
36 MONTH CD 2.62% 2.65% $1,000.00 Quarterly
48 MONTH CD 2.72% 2.75% $1,000.00 Quarterly
60 MONTH CD 2.87% 2.90% $1,000.00 Quarterly
Individual Retirement Arrangements (IRA Accounts)

Don’t leave your future to chance; open an FNB Bank Individual Retirement Arrangement (IRA**) today. IRA’s are special-purpose savings plans created by the federal government to help you build funds specifically for retirement. What makes these special is that the government allows you to defer paying taxes on the interest they earn until the funds are withdrawn. This helps your money to grow much faster than in a comparable, taxable investment. In addition, some IRA savers’ contributions qualify as a tax deduction for federal income tax purposes. Check with your local tax advisor.

Even if you don’t qualify for a tax-deductible contribution, you can still open a new IRA or contribute to an existing one. The compounded earnings will be tax-deferred. Remember, you can open or make contributions to your IRA any time up until your tax due date, which is usually April 15th.

Opening an IRA at one institution does not mean you have to keep it there until retirement. If you currently have an IRA at one financial institution, you can move it to another without a tax penalty. FNB Bank offers both fixed-rate and variable-rate IRA’s. Come in and talk to one of our Customer Service Representatives about moving your IRA to a high yielding FNB Bank fixed-rate or variable-rate IRA.

Also, if you recently changed jobs and received a distribution from a Pension or Profit-Sharing plan, you may be able to roll it over into an IRA and continue to defer the taxes.

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IRA Accounts**

Last Updated: July 11, 2024

Account TypeInterest RateAnnual Percentage YieldMinimum DepositCompounding Frequency
18 MONTH IRA (Variable) 1.24% 1.25% $100.00 Monthly
48 MONTH IRA (Fixed) 2.96% 3.00% $250.00 Monthly

FNB Bank Overdraft Privilege 

We all slip from time to time and can make little mistakes! That’s why FNB Bank offers Overdraft Privilege to cover you when the unexpected happens.

Overdraft Privilege is a discretionary service designed to help prevent your insufficient funds items from being returned or declined. With Overdraft Privilege, we have the option to cover your overdrafts up to your Overdraft Privilege limit (including fees) if you inadvertently overdraw your account. This can save you the embarrassment and inconvenience of a returned or declined item and the added fees normally charged by merchants for items returned to them.

Expand some of the topics below to learn more about your overdraft options.

What types of transactions are covered by Overdraft Privilege?
  • Checks
  • ACH (Auto Debits)
  • Recurring Debit Card Payments
  • Online Bill Pay Items
What if I want FNB to pay my everyday Debit Card and ATM overdrafts?

If you want us to authorize and pay overdrafts caused by ATM and everyday debit card transactions, you must tell us by using one of the following methods:

  • Complete the Opt-In Form which is available online or at any branch location. Mail your completed form to: PO Box 1037, Romney, WV 26757;
  • Bring it by one of our convenient branch locations;
How does Overdraft work?

Our standard Overdraft fee of $30 will be imposed for overdrafts created by checks, ACH, and if opted- in, ATM withdrawals, everyday debit card transactions, or by other electronic means. This is the same fee that we charge for items drawn against insufficient funds and returned to the payee.

If multiple items are presented against your account on the same day, each item will be assessed an appropriate $30 Overdraft fee or a Returned Check fee of $30.

FNB has the discretion, but is not agreeing and does not have an obligation to pay your overdrafts and we may withdraw this privilege at any time. An overdrawn balance must be repaid within 30 days or your Overdraft Privilege limit may be removed.

FNB ordinarily will not pay an item above the Overdraft Privilege limit and may return items if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty (30) day period for a minimum of one business day, if you default on any loan or other obligation to FNB or if your account is subject to any legal or administrative order or levy.

Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from this Overdraft Privilege amount as items are paid. It may be possible that your account will become overdrawn in excess of the Overdraft Privilege amount as a result of the assessment of a fee. Balances at an ATM or other point of inquiry will not include the Overdraft Privilege limit; however, items may be paid in excess of the balance provided.

Transactions may not be processed in the order in which they occurred and the order in which transactions are received and processed may impact the total amount of fees assessed.

What Overdraft Privilege Options do I have?

Standard: Checks, ACH, Online Bill Pay, and recurring debit card transaction overdrafts are covered.

Full: ATM and everyday debit card overdrafts are covered in addition to those listed above.  See the Opt-in form under “What if I want FNB to pay my everyday Debit Card and ATM overdrafts?” to sign up for this coverage.

None: No overdrafts covered. NSF (non sufficient funds) items are returned to the payee or declined.

How does having Overdraft Privilege compare to not having it?

With Overdraft Privilege:

Written Check Amount: $50

Overdraft Fee: $30

You Pay: $80

Without Overdraft Privilege:

Written Check Amount: $50

NSF/Return Check Fee: $30

Merchant Fee (up to): $40

2nd NSF/Return Check Fee*: $30

You Pay: $150

*If merchant re-deposits check and funds are still unavailable.

Ways to Cover Your Overdrafts
  • Good Account Management: $0
  • Overdraft Privilege: $30 per overdraft

Link to Savings:  $12.50 per transfer

FDIC Resources

The FDIC offers a convenient tool to help customers determine their FDIC coverage needs.  The Electronic Deposit Insurance Estimator (EDIE) lets consumers know, on a per-bank basis, how the insurance rules and limits apply to a depositor’s specific group of deposit accounts—what’s insured and what portion (if any) exceeds normal coverage limits at that bank.  After using this tool if you feel you have funds that need additional coverage, contact your local FNB Bank representative to get more information about FNB’s extended coverage options.

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Excess FDIC Coverage

Through a preferred partnership, FNB Bank can offer excess FDIC insurance when traditional coverage is not enough.  This allows our customer to consolidate funds into FNB bank, simplifying their finances, while still protecting their money with full FDIC coverage.

  • Millions in FDIC insurance available
  • Banking local with the support of a nationwide network
  • Consolidate funds at FNB Bank for ease of management
  • Funds remain available when needed
  • Product is available to consumers and businesses

Learn More

Are you looking for a Personal or Business account?

Personal account Business account

Will you maintain a Minimum Balance of $5,000?

YesNo

Business: Are you looking for a Checking or Savings account?

CheckingSavings

Do you have or plan to open a Kasasa Cash or Kasasa Cashback Checking account?

YesNo

Do you plan to maintain a minimum balance of $25,000?

YesNo

Personal: Are you looking for a Checking or Savings account?

CheckingSavings

Will you use your debit card more than 12 times per month and will you sign up to receive eStatements?

YesNo

To earn a higher rate of interest, will you always keep more than $5,000 in your checking account?

YesNo

Will you always keep $2,500 or more in your checking account?

YesNo

Will there be anyone 50 years or better signing on this account?

YesNo

Do you have or plan to open a Kickback Checking or Platinum Checking account?

YesNo

Would you like to Start Over?