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Howard Bank

FNB welcomes Howard Bank Customers

Discover what First National Bank (FNB) has to offer in addition to important conversion dates and instructions.

Partners in Your Success

Howard Bank

We are excited to welcome Howard Bank personal and business customers to FNB. As part of the FNB family, you will have access to more of the things that make banking better. More convenience, more technology, more innovation and products and services to help you achieve your goals.

You can rely on our bankers to help you develop a plan to achieve your financial goals. With the professional guidance, support and resources of one of the 50 largest bank holding companies in the U.S., you can be certain that your plan will continue to work for you.

Getting Started with Online & Mobile Banking

Select one of the options below to get started accessing your accounts online. FNB migrated your existing Howard Bank Login ID where possible. Depending on the type of accounts you had at Howard Bank, some of your accounts may have been migrated to our personal and small business Online Banking service while others may have been converted to our Business Online Banking service.


For customers who accessed both Howard Personal and Small Business Online Banking, generally, we converted your accounts to our Personal Online Banking platform. Please use your personal Login ID as your User ID when establishing your access using  the "Set Up Now" button below. Please note, that while we have successfully migrated your account information to Online Banking and you will be able to view your online statements immediately, your current month and prior month transaction history will not be visible in Online Banking until Tuesday 2/8.

If we were unable to use your Personal Online Banking Login ID, we migrated your Business Login ID, which you can use to establish access using the "Set Up Now" buttons on this page.

Business customers have been contacted by members of our Treasury Management Team to assist you with getting access to your accounts. If you have questions, you can contact our Treasury Management representatives here.

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Personal and Small Business Online Banking

Complete the process to establish Online and Mobile Banking access to your personal or small business banking accounts. If you have questions, please visit our Frequently Asked Questions (FAQs).

Set Up Now

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Business Online Banking

Customers with certain Treasury Management products were contacted by a Treasury Management representative with instructions for logging into FNB's Business Online Banking service. Get started below or contact our Treasury Management team if you have questions regarding accessing your accounts.

Get Started

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Frequently Asked Questions

For answers to your Howard Bank acquisition questions, review the frequently asked questions.

View FAQs

Welcome to FNB’s Digital Banking Services

online and mobile banking
After 8:00 AM ET on Monday, February 7, 2022, you may access your accounts through FNB Online Banking by using the "Set Up Now" button below. This process will establish your User ID and Password that you can use moving forward with FNB's Online and Mobile Banking services.

Steps for Setting Up Your Online Banking Access

Follow the steps below to setup your Online Banking account on or after February 7, 2022.

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Step 1

Select the “Set Up Now” button below and enter your Howard Bank Login ID for the Username and your Howard password without special characters for the password.

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Step 2

Review and accept our Consumer Agreement for Online Services and verify your last name, SSN, date of birth and account number.

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Step 3

Set up your new password. You can use your Howard Bank password as long as it meets our guidelines.

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Step 4

Confirm your email address to ensure we have the correct information on file.

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Step 5

Setup our Enhanced Account Security service (out of band authentication and security questions) which increases the security of your accounts.

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Step 6

Select your Online Statement and Notices preferences.

Set Up Now
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Get Our Mobile Apps

Whether you are looking to perform routine banking transactions, monitor investments or file an insurance claim, we have the sophisticated mobile solutions you need to manage your finances on the go. Download one of our apps today to get started.

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What You Need to Know About FNB’s Online and Mobile Banking Services

  • FNB will migrate your existing Howard Bank User ID where possible. Keep in mind that you must first log in to Online Banking to complete the setup process and establish your Online and Mobile access.
  • We will transfer your transaction history and online statements to FNB. Please note, when you first access FNB’s Online Banking service you will be prompted to confirm your preferences for online or paper statements and notices.
  • If you have existing future-dated or recurring online funds transfers established with Howard Bank’s Online Banking service, your online transfers will be converted to FNB.
  • If you currently make payments using Howard Bank’s Online Bill Payment service, you will be automatically enrolled in FNB’s Online Bill Payment service and all scheduled bill payments and payee information will be transferred automatically to FNB.
  • If you currently use the Zelle® person-to-person payment service with Howard Bank, your profile, contacts and scheduled payments will be transferred to FNB’s Zelle® person-to-person payment service.

After Your Move to FNB

  • If you currently have Alerts set up through Howard Bank’s Online or Mobile Banking service, they will not be converted to FNB’s Online and Mobile Banking service. On or after Monday, February 7, 2022, you will need to log in to FNB Online or Mobile Banking to re-establish your Alerts.
  • If you currently use your Howard Bank debit card in order to make digital payments through your mobile device (Apple Pay®, Samsung Pay®, Google Pay), you will need to remove the Howard Bank card and add your new FNB card to your mobile device on or after Monday, February 7, 2022.
  • If you currently use Quicken or QuickBooks to directly connect to Howard Bank, on or after Monday, February 7, 2022, you can download a Quicken or QuickBooks formatted file and import your balance information and transaction activity into Quicken or QuickBooks from the FNB Online Banking site.
  • Establish and set up External Transfers to and from accounts that you own with other financial institutions.
  • Make payments to people you know and trust through Zelle.®

Important Documents

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