CEO Message

FNB’s top priority is the safety of our employees, customers and the communities we serve. We continue to actively monitor the COVID-19 coronavirus situation using the latest CDC guidance, public health information and government regulations/mandates to inform our decision making.

In addition to prioritizing the health and well-being of our customers, employees and neighbors during this difficult time, FNB remains committed to providing the financial services that you’ve come to know and trust while navigating the impact of the coronavirus. As the federal, state and local response to COVID-19 evolves, our regional leaders are empowered to make decisions at the local level. Please review our recent press release which details steps we are taking to support our customers and the communities we serve.

Please visit this page regularly to receive timely updates about the steps we are taking to assist and guide you through these extraordinary conditions. You can read our most recent customer email on this topic.

COVID-19 Relief Programs

FNB is offering several programs to support customers who are directly impacted. All programs are subject to bank approval, are effective immediately and will continue through April 17, 2020, (subject to extension or reevaluation at that time).

• Consumer Loans, Mortgages, Auto Loans and Lines of Credit: FNB is prepared to handle requests for relief, including 90-day interest only payment options or a 90-day deferral of payments, as well as suspending new foreclosures and new repossessions of automobiles for those directly impacted by COVID-19.
• Consumer Banking: Late fees for consumer loan products, ATM fees, and overdraft fees may be refunded upon request from impacted customers who are experiencing hardship.
• Commercial Banking: FNB is providing 90-day interest only and deferral payments for those impacted in addition to providing lines of credit for working capital necessary to sustain business during this crisis.
• Small Business Banking: To alleviate the financial burden facing small business customers, FNB is offering 90-day interest only and deferral payments for those impacted, and the simplification of procedures to speed up modification processes and restructuring, among other measures.
• Small Business Administration: FNB is offering assistance through more formal programs like the Small Business Administration (SBA) disaster relief assistance program and will work with our clients to participate in potential programs currently under development by the SBA.

Individuals and businesses facing financial difficulties related to COVID-19 are encouraged to contact their local banker or the FNB Customer Service Center at 1-800-555-5455 to discuss their individual circumstances and potential solutions available to them. To find the most convenient way in which to reach us, visit the "Contact Us" section of our website.

Keeping Employees and Customers Safe

FNB has taken the following steps to ensure the health and safety of our employees, customers and communities we call home:

• Enacted our cross-functional crisis management team – including members of senior leadership.
• Implemented our business continuity plan to safeguard the health and well-being of our colleagues.
• Multiple operations centers are being utilized to ensure social distancing.
• Instituted employee training limitations, travel restrictions, work from home protocols for those who are able, and a number of other health and safety measures for both employees and customers. 
• Practice CDC guidelines for proper handwashing, sanitation and other preventive actions to minimize the spread of illness.

Safety Tips

The CDC has published tips about how to prevent the coronavirus for individuals as well as businesses, including more frequent handwashing and cleaning and disinfecting frequently touched surfaces daily.

What you Need to Know About FNB's Banking Services

Customer interaction will be limited to our drive-up teller windows and online appointment scheduling. Drive-up access at our branches will remain open and many locations will have extended drive-up hours.

FNB branch locations that do not have drive-up access will be open by appointment only, and staff will continue to reach out to customers and provide them with alternate banking locations, online and mobile options and financial advice.

A small percentage of the branches without drive-up will be closed entirely, and those employees will be utilized to provide additional support to retail operations and/or communicating with our customers.

ATMs and ATMs with TellerChat will continue to operate as normal.

We recommend contacting your local branch before visiting in case of any last-minute changes. For more information visit our ATM and Branch Locator page.

Online and Mobile Banking: We encourage our customers to take advantage of our online and mobile tools and technologies to make banking more convenient during this time. By leveraging our technology solutions, you can:

• Access your accounts to see transactions, balances and other important account details.
• Deposit checks into your account through your mobile phone.
• Transfer funds between accounts.
• Make payments using Bill Pay
• Send money to virtually anyone you know in the U.S. using Zelle®
• Control your FNB Debit Cards with CardGuard™
• Access cash at any of our more than 550 conveniently located ATMs. Make check and cash deposits without an envelope at any FNB branch ATM, including ATMs with TellerChat.

Learn More: With electronic banking solutions from First National Bank, you can manage your accounts and conduct routine banking transactions on your terms — from convenient payment options like the FNB Visa® Debit Card, to robust account management tools through Online and Mobile Banking, to quick and easy access to cash at one of over 550 conveniently located ATMs.

• Mobile Banking
• Online Banking
• Digital Payments
• Debit & Credit Cards
• ATM Banking
• Telephone Banking

If you are not currently registered for online or mobile banking, you can enroll in both services by first enrolling in Online Banking.

Need Help?

We are well prepared to offer assistance to help meet the financial needs of those who may be impacted. Individuals and businesses in need of banking support can contact their local FNB office or our Customer Service Center at 1-800-555-5455. We are available to assist you 8 AM - 9 PM ET Monday through Friday and 8 AM - 5 PM ET Saturday through Sunday. We also have an easy-to-use online appointment scheduling tool so individuals and businesses can speak to a FNB financial professional in person or over the phone. Please note that in-person appointments may not be available in all locations.

Avoid Scams

Unfortunately, during times of turmoil some people may use this as an opportunity to take advantage of others. If you need assistance with your finances, please contact us at the number on the back of your card, on your billing statement, or on written correspondence from us. Please know that we will not contact you via phone or text messaging to request sensitive personal information such as your Social Security Number, Account Number, or Debit Card Number. For more information on keeping your personal information safe, visit our Security Center.

COVID-19 Phishing Scheme
The FBI's Internet Crime Complaint Center (IC3) has warned of a phishing campaign delivering spam that uses fake government economic stimulus checks as bait to steal personal information from potential victims.

Be on the lookout for phishing emails asking to verify personal information in order to receive an economic stimulus check from the government, the alert said. Government agencies are not sending unsolicited emails seeking private information in order to send money.

Similar campaigns might ask potential victims for donations to various charities, promise general financial relief and airline carrier refunds, as well as try to push fake COVID-19 cures, vaccines and testing kits.

Other active phishing attacks are taking advantage of the COVID-19 pandemic to infect victims with malware and harvest their personal information through spam impersonating the Centers for Disease Control and Prevention (CDC) and other similar organizations, such as the World Health Organization (WHO).

The FBI adds that scammers are trying to sell products claiming to prevent, treat, diagnose or cure the COVID-19 disease, as well counterfeit sanitizing products and personal protective equipment, including but not limited to N95 respirator masks, gloves, protective gowns, goggles and full-face shields. 

Possible COVID-19-themed scams and attacks as highlighted by U.S. Attorney Andrew Murray include:

• Individuals or businesses selling fake cures for COVID-19
• Online offers for vaccinations and test kits
• Phishing emails or texts from entities posing as the World Health Organization (WHO) or the Centers for Disease Control and Prevention (CDC)
• Malware inserted in mobile apps designed to track the spread of COVID-19 that can steal information stored on devices
• Malicious COVID-19 websites and apps that can gain and lock access to devices until a ransom payment is made
• Solicitations for donations to fake charities or crowdfunding sites

To report COVID-19 Fraud, contact the Disaster Fraud Hotline 866-720-5721 or email disaster@leo.gov. You can find more information on the National Center for Disaster Fraud webpage.

Past COVID-19 Communications

You can review our past communications about the COVID-19 pandemic here:

• Setting Up Appointments with FNB (3/25/20)
• Additional Support from FNB for Customers and Businesses Affected by COVID-19 (3/23/20)
• Important Update Regarding COVID-19 from FNB (3/20/20)
• A message about the coronavirus (COVID-19) (3/12/20)