Beginning September 29, 2025, FNB will take action to ensure funds availability practices for business accounts are consistent with consumer account practices. As a result, certain funds availability timelines for your business accounts may be impacted. Please see below for details.
- Most deposited funds will now be available for use upon the following business day (Monday through Friday, excluding holidays) unless additional settlement days apply. This update includes funds from U.S. Treasury checks, U.S. Postal money orders and transit checks (checks drawn on other banks) that are deposited through:
- FNB branches
- First Desktop Banker remote scanners
- FNB Business mobile app
- Lockbox services
- The Available Balance field reported on Business Online Banking accounts will no longer include additional pending check deposit funds available for use during business days (Monday through Friday, excluding holidays). For more information about funds availability, see Page 10 of the Deposit Account Agreement.
- Deposits made through First Desktop Banker and the FNB Business app will not appear as pending on Business Online Banking’s running balance view. However, First Desktop Banker users can review their submitted check deposits within Business Online Banking to confirm which funds will be available for use on the next business day (click “Deposit Checks” in the “Checks & Deposits” section of Business Online Banking).
- For consistency with funds movement between connected (linked) FNB accounts, all sweep accounts, line of credit sweeps and overdraft protection account processes will draw or transfer funds between accounts, as appropriate, by using available balance requirements (rather than ledger balances).
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 and incurring potential fees.
Thank you for choosing FNB 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.
