Beginning December 16, 2024, FNB will modify certain funds availability practices for business accounts as follows:
- Funds from U.S. Treasury checks, U.S. Postal money orders and transit checks (checks drawn on other banks) that are deposited in-branch generally will be available the following business day (Monday through Friday, excluding holidays), unless longer delays apply. These funds will not be available immediately.
- Internal transfers, ACH prefunding, and same-day ACH payments made using Business Online Banking are now drawn from your Available Balance, not your Ledger Balance. See Page 14 of the Deposit Account Agreement for more information about what constitutes Available Balance and Ledger Balance.
- The Available Balance field reported on Business Online Banking accounts will no longer include additional Ledger check deposit funds during business days (Monday through Friday, excluding holidays).
For more information about funds availability, see Page 10 of the Deposit Account Agreement.
How to Prepare
We encourage you to review your accounts to ensure that you have sufficient funds available for outgoing payments. If you do not have sufficient funds to cover outgoing payments, you could be at risk of overdrawing your account.
Thank you for the opportunity to serve your financial needs. If you have any questions, please call our Customer Contact Center at 1-800-555-5455, Monday through Friday from 8:00 AM – 9:00 PM ET, and Saturday and Sunday from 8:00 AM – 5:00 PM ET.
