FNB Platinum Checking Disclosures:
*Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your FNB Platinum Checking account during each Statement Cycle: At least 12 debit card purchases, be enrolled in and have agreed to receive e-statements rather than paper statements, be enrolled in and log into online banking, maintain a valid email address on record with our bank. Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Statement Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.
Reward Information: When your FNB Platinum Checking account qualifications are met during a Statement Cycle, daily balances up to and including $20,000 in your FNB Platinum Checking account earn an interest rate of 2.4693% resulting in an APY of 2.50%; and daily balances over $20,000 earn an interest rate of 0.2497% on the portion of the daily balance over $20,000, resulting in a range from 2.50% to 0.63% APY depending on the account’s daily balance. When your FNB Platinum Checking qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.0499% resulting in an annual percentage yield of 0.05%. Interest will be credited to your FNB Platinum Checking account on the last processing day of Statement Cycle. APY = Annual Percentage Yield. APYs accurate as of 08/21/23. APY calculations are based on an assumed balance of $20,000 + $100,000 in your FNB Platinum Checking account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. E-Statement enrollment is a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. High rate claim is based on FDIC’s National Weekly Rates for interest checking accounts. Claim is independent of any one institution’s offerings. Comparison Source: Interest Checking, FDIC 08/21/2023. http://www.fdic.gov/regulations/resources/rates/. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.
**Up to $10 total for debit cards and/or unused checks from another financial institution given at the time the checks/debit cards are presented.