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Behind Your Business

Since 1864, FNB has stood behind our clients, guiding businesses of all industries and sizes through every challenge. Over that time, we've developed deep expertise in helping companies succeed by offering a full suite of services — including cash management, merchant services and flexible lending solutions. Find out why so many businesses rely on FNB for responsive service, personal guidance and powerful financial solutions.

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Taking Care of Business

Our team has been working tirelessly to help businesses during these challenging times, including navigating the Small Business Association’s (SBA) Paycheck Protection Program (PPP), providing essential relief that protected hundreds of thousands of jobs.

$3.6 Billion Funded      $2B+ in Deferrals      93% Closed      6,000+ Loans

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An award winning bank for businesses

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Our Clients' Stories

View and read testimonials from our small business customers who needed a bank to stand by them, and got the help they deserved.

Building On Your Success Today And Tomorrow

As a surging 110-year old premiere design-build firm with a high reputation for outstanding quality and personalized service, PWCampbell was looking for a bank to match their standards.

"Initially, we engaged First National Bank to handle all of our basic banking needs. At first, it was a very traditional business relationship, however that quickly changed. The level of personalized attention and outstanding service was something that we immediately took note of – and it wasn’t just at the Manager level either. Senior Executives were always just as available as managers, and always gave us their undivided attention. As a previous banker myself, I know what to look for in a financial partner, and I can honestly say that they’ve exceeded all of our expectations. They now handle every single one of our financial needs, including our 401K planning - and we couldn’t be happier with the partnership. We consider FNB an integral part of our past, current, and future growth strategy."

Jim Caliendo
President and CEO

We understand that many businesses have a long history of success that they work hard to protect every day. So do we. Let’s work together to continue your success story into the future.

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Keeping Your Business Running In Uncertain Times

You may think all banks are the same, but they’re not.

"When I opened my business 9 years ago, I decided to use First National Bank because of their convenient location. Back then, I just thought all banks were the same. Then, COVID 19 happened. During March of 2020, my business was told to close for two weeks. On the second day of my closure, my FNB bank manager called me to ask if I was ok. After dealing with her for several years, she knew my business well. After I told her that I should be fine and that it was only 2 weeks, she made a few suggestions that could help me reopen once the mandate was lifted. I decided to take her advice. Those 2 weeks turned into 7 weeks before I could reopen my business. Now, looking back over the last 12 months, I am not sure if my business would have survived without that phone call. That call forced me to plan further ahead and to have money available if needed. Now, I know all banks are not the same! I will always be a First National Bank customer."

Edwin F Wilt III, Owner
Diner 22

Any bank can open your business’ accounts. But when your business needs help, we’re always there. Sometimes without you having to ask. Let’s get started!

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Scoring On And Off The Ice

Check The Charlotte Checkers hockey organization wanted more than just a bank. They wanted a financial partner who would keep their best interests in mind. FNB was the perfect choice.

"The best decision we made for our business was to move our financial dealings to First National Bank. By doing so, we acquired an entire team of professionals who are genuinely looking out for our best interests. I cannot speak highly enough about our experience. In an era where building personal, human relationships with a bank seems out of reach, FNB has mastered it. "

Tera Black
Chief Operating Officer
Charlotte Checkers

Great products, personal service and the right people to deliver. Now that’s a hat trick worth cheering about! Let’s Get Started!

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Caring For Those Who Serve Our Communities

Dr. Rahmanian was looking for a bank that would care and work as hard for him as he does for his patients. He found that at FNB.

"As a solo physician, I am a service business caring for patients be it neighbors or someone passing through. After doing that for over 30 years it becomes second nature and you assume everyone else does the same.

When the COVID-19 pandemic struck, a business lockdown was initiated in March and patients avoided any care resulting in empty exam rooms and cancellation of all elective procedures in the hospitals. Expenses and payroll didn’t go away and laying off employees was not an option. Fortunately, the government introduced the Paycheck Protection Program, filling the gap and allowing my staff to receive a paycheck. However, no other bank would help you if you didn’t have a large account with them. Although somewhat late in the game, I turned to the First National Bank for help, which is when I met the “superwoman” banker who cared for all my needs and answered all my questions. I could get ahold of her anytime, day or night and even on weekends.

It’s in times of need when you figure out who are your true friends. A good bank is part of the local community and cares for its people and businesses. First National Bank is truly a great community neighbor that cares. "

Dr. Nader Rahmanian, MD LLC

At FNB, we know actions speak louder than words. That’s why our staff was available 7 days a week to help Dr. Rahmanian and others during the pandemic. And today, we’re here to help you too. Let’s get started.

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Small Business Banking

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Notices & Disclosures
  • NMLS #766529
  • SBA Lender
  • Some applications may require further consideration and additional information may be requested. Credit terms are subject to approval.
  • Normal credit standards apply. Maximum amount of credit is subject to SBA Program limitations.

1 - Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are: 

Not FDIC Insured No Bank Guarantee May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit


Subject to investment risks, including loss of principal amount invested. First National Insurance Agency is a subsidiary of F.N.B. Corporation.

2 - Member FDIC

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