Simplify Your Finances with Joint Checking at FNB

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Open a Joint Checking Account

Joint checking accounts are ideal for anyone managing shared expenses. Whether you’re married and looking to manage household bills, business partners with shared finances, roommates splitting living expenses or parents teaching teens financial responsibility, FNB has a joint checking option for you.

Benefits of Shared Account Access

Simplified bill paying for shared expenses
Financial transparency
Streamlined budgeting
Ideal for teens who can’t yet open an individual account¹
Access to FNB’s digital technology, including Mobile Banking and Online Banking²

Joint Checking Account Options at FNB

eStyle Account

A checkless account that helps you avoid overdraft fees.

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Freestyle Checking

Free from all the things you don't need, like monthly fees.

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Lifestyle Checking

Keep an eye on your money and watch it grow.

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Premierstyle Checking

Rewarding you for doing more of your banking with us.

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Student Checking

You study hard. Let FNB Student Checking make banking easy.

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Workplace First Checking

World-class banking for world-class employees.

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Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Start Comparing

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Start Comparing

Still not sure? Answer a few quick questions to help you find the right account.

Help me Decide

Still not sure? Answer a few quick questions to help you find the right account.

Help me Decide

Frequently Asked Questions (FAQs)

Yes, you can apply for a joint checking account online. For minors who wish to open online, a parent or guardian must be present and identified as a joint applicant during the online application process.

If you already have an account at FNB and wish to add joint applicants to it, please visit a branch.
Yes, but only in the two circumstances listed below.

1. An owner can be removed from an account in the event of their death. In that case, a copy of the death certificate must be provided.

2. An owner can be removed from a Student Checking Account once the student turns 18 years of age. The Removal of Joint Owner from Student Checking Account form must be completed and taken to an FNB branch location to be processed.

If removing an owner is necessary for any other reason, the existing account must be closed and a new account opened in the name of the remaining individual(s). For signers (such as business account signers), removal is permitted once updated business documentation, including a new resolution – an official business authorization documenting who is allowed to act on the account – has been received and processed.

Notices & Disclosures

1 - A joint owner who is at least 18 years old is required for applicants age 17 and under. Student Checking accounts may be opened by applicants age 13 or older with an eligible adult joint owner. All other joint checking accounts may be opened by applicants age 15 or older with an eligible adult joint owner.

2 - Applicants aged 17 and under must be granted permission to access Online and Mobile banking on a joint account. To request this access, please visit a local branch or call our Customer Contact Center at 833-BANK-FNB.