Howard Bank Acquisition FAQs

All Howard Bank branches will close at 6:00 PM on Friday, February 4, 2022, and will remain closed on Saturday, February 5, 2022, to prepare for the transition. FNB branches will be open during their normal hours but will not have access to Howard Bank customer information.

The converting Howard Bank branches will open for business as First National Bank branches on Monday, February 7, 2022, at 8:30 AM.

Beginning Friday, February 4, 2022, Online and Mobile Banking will only be available to view consumer account balances. Those balances will be accurate as of the end of business on February 4, 2022. Business account access through Business Online Banking will be unavailable.

On Monday, February 7, 2022, Howard Bank customers can establish Online and Mobile Banking services with FNB by visiting https://www.fnb-online.com/howard. This website includes detailed information about how to set up your Online and Mobile Banking access, which also can be found in a letter and an email sent to customers in late January.

Howard Bank debit cards will continue to work at ATMs as well as for purchases through conversion weekend and will cease to work as of 2:00 AM on Monday, February 7, 2022.

New FNB Debit Cards were mailed to Howard Bank customers in January. Customers can activate their new FNB cards and begin using them at ATMs as well as for purchases on February 4, 2022, at 6:00 PM.

You may continue to use your existing Howard Bank checks and deposit slips unless otherwise specified. When you need to reorder checks and/or deposit slips, you will receive checks with First National Bank’s logo and routing number.

The terms and conditions outlined in your loan documents will remain unchanged and any fees and late charges will be assessed in accordance with your existing contract. Automatic payments will continue without interruption unless notified in a separate mailing.

Beginning on Monday February 7, 2022, loan payments can be made:

• At a local First National Bank branch.
• By mailing payments to First National Bank, P.O. Box 6122, Hermitage, PA 16148-0922.
• Using Online or Mobile Banking to pay or transfer funds from an FNB Checking or Savings Account.

For important information related to the conversion, please review the Welcome Guide you received, visit www.fnb-online.com/howard or your local branch, or call us at 800-555-5455. Customer Service Representatives are available Monday – Friday 8:00 AM-9:00 PM and Saturday and Sunday 8:00 AM-5:00 PM.

Once you have established Online and Mobile Banking access with FNB after February 7, 2022, you can also contact us via Secure Chat though the FNB Direct mobile app.

Our Treasury Management team has reached out directly to assist customers with business accounts who used Howard Bank's Treasury Management services. If you have questions, please contact our Treasury Management team here.

If you were not contacted by members of our Treasury Management team, your access to your business accounts is through our Personal and Small Business Online Banking service. To get started, visit our consumer and small business Online Banking website to re-establish your account access.

If you had multiple Login IDs for your Howard Bank personal or small business accounts and those accounts were associated with the same Tax ID or Social Security Number, we selected one Login ID to migrate to our personal and small business Online Banking platform.

Generally, if you had both business and personal Login IDs, we migrated your personal Login ID. If, during our analysis of your usage activity, we opted to migrate your business Login ID, or if you had multiple business Login IDs, we contacted you directly and provided you with the Login ID that you should use to enroll in Online and Mobile Banking at FNB.

As of Sunday 2/6, 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.