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Personal Banking

Whether you need a checking account, savings account, CD or IRA, we have plenty of personal banking options available to you. Click any of the options below to learn more about our personal banking products.


Checking Accounts

We believe in making sure your banking fits your life and style. To better serve your needs we offer four checking account options.

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Zia

A checking account for people who like to write checks.

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With a Zia Checking account, you are only required to keep a daily average balance of $1,000.  With this account you will receive complimentary thrifty style checks as well as a complimentary debit card.

Details
  • Minimum opening deposit of $100
  • Complimentary debit card upon opening your account
  • Monthly service charge of $5
  • Monthly service charge waived if the average daily balance is greater than $1,000 per statement cycle
  • $3 monthly charge for paper statements
  • Complimentary E-statements
  • Complimentary thrifty-style checks
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Click It!

The account for those who live in an electronic world.

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Choose the Click It! account to handle your online purchases and electronic bill-payments.  Electronic transactions and an opening balance of $100 are required for this account.

 Details
  • Electronic transactions encouraged
  • Online banking required
  • E-statements required
  • Limit of 3 paper debits (if exceeds limit, a monthly service charge of $7.50 per statement cycle)
  • Unlimited bill-pay transactions
  • Fee of $5.00 per month if enrolled in bill-pay and do not use for 30 consecutive days
  • Complimentary debit card upon opening your account
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Silver Select

Life gets better with age. Your checking account should, too.

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Silver Select is our banking option just for adults 60 years of age and older. With a minimum deposit of just $100 this account is an easy-keeper. You will receive complimentary thrifty-style checks and a complimentary debit card when opening your account.

Details
  • Monthly service charge of $5
  • Monthly service charge waived if the average daily balance is greater than $100.00 per statement cycle
  • Complimentary paper statements
  • Complimentary thrifty-style checks
  • Complimentary debit card upon opening your account
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NOW

Check out our interest-bearing checking account.

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A NOW Checking account is right for you if you have a minimum of $2,000 to keep in your account.

Details
  • Minimum opening deposit of $1,000 required
  • Monthly service charge of $10
  • Monthly service charge waived if the average daily balance is greater than $2,000 per statement cycle
  • $3 monthly charge for paper statements
  • Complimentary e-statements
  • Interest bearing account-visit with your customer service representative
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Money Market

An interest-bearing account similar to a savings account.

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When you have a large sum of money and you’d like to earn more interest, consider a Money Market account.  This account is like a savings account but you can use a debit card or checks to access your money.  To open a MMA, you’ll need a minimum opening balance of $5,000.

Details
  • Monthly service fee of $10 waived if average daily balance is greater than $5000.
  • $3 paper statement fee, can be waived when enrolled in estatements.

The following transactions are limited to six (6) each four (4) week or similar period:

  • Automatic Transfer or Payments authorized and made payable to an individual or entity outside of the bank – including loan payments to another institution
  • Automated Transfers made via Online Banking or Telephone
  • Checks on Money Market Accounts
  • Debit Card and Point of Sale Transactions
  • Automatic Transfer to another FNB account including those made for the purpose of providing Overdraft Protection

Savings Account

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Savings Account

A penny saved is a penny earned. At FNB, we celebrate savers with an account to meet your goals and lifestyle.

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To open a savings account, we require a minimum opening deposit of $100.  Interest-bearing accounts are available and we even offer automatic transfers from your checking account to a savings account to help you save your pennies for a rainy day.

Details
  • Monthly service charge is waived if the average daily balance is greater than $250.00 per statement cycle
  • $3 paper statement fee, can be waived when enrolled in estatements

The following transactions are limited to six (6) each four (4) week or similar period:

  • Automatic Transfer or Payments authorized and made payable to an individual or entity outside of the bank – including loan payments to another institution
  • Automated Transfers made via Online Banking or Telephone
  • Automatic Transfer to another FNB account including those made for the purpose of providing Overdraft Protection

CDs and IRAs

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CDs and IRAs

FNB is your partner in securing your financial future whether for retirement or for a rainy day.

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IRAs

With our Traditional or Roth IRA, saving for your retirement is easy with great rates. These long-term saving strategies allow you to have some flexibility on your post tax income.

CDs

Our competitive CD rates allow our business and consumer deposit customers the opportunity to save with higher yield interest.  CDs are a no-risk investment and you can invest for periods from 91 days to 3 years.

Stop in or call any of our branch locations to learn more about IRAs and CDs. Click here for location contact information.