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Experience the Penguins® Power Play Package

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      Interest earned on balances $0 - $2,500

    • Dollar Sign Crossed Out in Circle

      No overdraft fees1

    • Check being written

      No paper checks2

  • Convenient Online and Mobile Access:1

    • Deposit checks quickly and easily for free using your supported phone or tablet device with Mobile Banking
    • Turn your FNB debit cards on or off, or restrict how and where they can be used with CardGuard
    • Transfer money between your FNB accounts in Online and Mobile Banking or send money to external accounts using Online Banking
    • Set up alerts to help you stay on top of your activity and balances

    Pay virtually anyone:

    • Make convenient one-time or recurring payments through your desktop, tablet or mobile phone with Online Bill Pay
    • With Online Bill Pay, you can reduce the paperwork by opting to receive e-Bills
    • Send and receive money quickly and easily with Zelle® – and best of all, the funds deposited typically within minutes4
    • Replace your wallet by adding your FNB Debit or Credit Card to a digital payment app such as Apple Pay, Samsung Pay or Google Pay and make secure in-store and online purchases with your supported mobile device

    Benefits designed to fit your style:

    • No overdraft fees1
    • No paper checks2
    • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
    • Surcharge-free cash access at more than 1,600 FNB ATMs
    • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking3
    • Refunds on fees for ATM transactions at non-FNB locations, up to 4 times per statement cycle
    • Refunds on ATM fees charged by other institutions, up to $12 per statement cycle

    Key Account Details:

    • Earn interest on balances $0 - $2,500

    No monthly service charge with one of the following:

    • $1,000 or more daily balance in this account, or
    • $25,000 in combined daily balance for the preceding month in any combination of FNB Checking, Savings, CDs, IRAs or Money Market accounts
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Your Initial Deposit:

    $50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport or Permanent Resident Card and visa)

    Optional Items:

    • If you request a debit card when you open your account, it will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.

With any account, you also get the latest in digital technology:

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

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

Compare all

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

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

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Notices & Disclosures

1 - FNB will decline or return transactions when you do not have sufficient funds available in your account to cover a transaction, but cannot prevent your account from being overdrawn.  If your account is overdrawn, you will not be charged an overdraft fee.  You are responsible for any transactions that overdraw your account and returning your account to a positive balance.
2 - This account does not allow check writing; only debit card, mobile and online payments.
3 - Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply. 
4 - To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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