Welcome to FNB

Payments

You may receive your first monthly billing statement in the mail. If you do not receive a billing statement for your first payment, please contact our Mortgage Customer Care Center at
1-800-597-2359. You can also request electronic statements within Online Banking.

Payments can be made in several ways, including the following:

Mail
Payments that are mailed should be made payable to First National Bank and mailed to:

First National Bank
PO Box 6122
Hermitage, PA 16148
Attn: Payments

Digital
As always, we encourage you to use FNB’s convenient and secure Online and Mobile Banking features. Customers with an FNB checking or savings account can make loan payments through Online or Mobile Banking, while those with accounts at other financial institutions can use their bank’s online Bill Pay service.

Choose the digital payment option that works best for you:

• FNB recurring transfer through Online or Mobile Banking
• FNB ACH payment, which can be requested using the ACH Form
• Utilizing Bill Pay to send the payment from your primary bank

In Person
Find a local branch near you to make your mortgage payment in person.

Please note that FNB does not have a biweekly payment option for first mortgage loans.

Homeowners Insurance

Please be sure to take the following steps related to your homeowners insurance and flood insurance (if applicable):

1. 1. Contact your insurance agent to confirm that your loan has successfully closed and that the mortgagee clause information is reflected as follows:
   FNB of PA ISAOA ATIMA
   PO Box 703809
   Dallas, TX 75370

1. 2. Forward your yearly evidence of insurance renewal and invoice to our insurance center by mail, website upload, fax or email:

• Mail:
  FNB of PA ISAOA ATIMA
  PO Box 703809
  Dallas, TX 75370
• Website Upload: verifymycoverage.com/fnb-online
• Fax: 1-866-335-4083
• Email: fnbmort-online@verifymycoverage.com

If you choose to change insurance companies, you have chosen to pay your property taxes and insurance yourself, rather than having FNB pay them for you through an escrow account,* or you live in a condominium, please send your proof of insurance (and condominium master policies, if applicable) on an annual basis to the insurance center using the above instructions. This will prove coverage is in place and avoid force placement of an insurance policy.

1. 3. If you choose to switch homeowners insurance policies, you must maintain a minimum of:

• 100 percent coverage on a replacement cost basis; or
• Coverage that is equal to or exceeds the lien balance.

* An escrow account is maintained by your loan servicer to collect funds for property taxes and/or homeowners insurance and pay those expenses on your behalf when they are due.

Loans with Escrow

FNB makes every attempt to collect your tax bill from your taxing authorities. Due to privacy restrictions, many of these authorities will only send the tax bill to the homeowner.

When you receive your tax card/bill for your real estate taxes, please submit your bill to FNB’s Mortgage Servicing Department to ensure payment is made at a discount. Tax cards/bills can be emailed to escrowedtaxbills@fnb-corp.com.

If you have an escrow account, it is reviewed annually to ensure that your monthly mortgage payment is collecting the appropriate funds to cover your property taxes and insurance premiums. Your monthly payment may rise or fall due to adjustments in taxes or insurance, which can result in an escrow shortage or overage.

Annual Escrow Analysis Statement

Escrow analyses are prepared approximately 50 days before your payment change date. If you are enrolled in electronic statements and notices, you will receive an email notification when your escrow analysis is available to review. If you receive statements and notices by mail, a copy of the analysis will be sent to the mailing address associated with your account.

Your Annual Escrow Analysis Statement provides you with a detailed breakdown of these changes and how they affect your escrow account. To avoid payment shortages, late charges or delinquency, review the escrow analysis carefully and take any necessary action regarding the upcoming payment adjustment.

Options to help avoid payment shortages and late payments following an escrow adjustment:

• Electronic Bill Pay (initiated from your bank and adjusted by you): Adjust the monthly payment amounts directly through your bank’s bill pay system.
• FNB Recurring Transfer (set up by you via FNB Online Banking): (1) Delete the existing recurring transfer; (2) Set up a new transfer with the updated payment amount.
• FNB ACH Payments (arranged by FNB on the loan side): No action needed. The payment amount will automatically adjust based on your loan terms.

To avoid a payment increase, you have three options to pay the shortage amount:

1. 1. Make payment at your local branch.
2. 2. Make a payment by sending a check to the payment address shown at the beginning of this document under “Payments.” Please include the instructions for FNB to apply the funds to the escrow shortage by adding "escrow only payment" in the memo section of the check.
3. 3. Use FNB Online Banking to transfer funds from your FNB checking account and select "Escrow Only" payment.

Otherwise, the shortage amount will be divided over the next 12 months and that portion will be added to your regularly scheduled payment. If you pay just the shortage, your payments may still increase. You will need to pay both the increase amount plus the shortage to avoid an increase.

Related Content

Watch our Understanding Escrow video to learn more about how escrow works.