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Physicians First

Physicians First™

From Residency to Retirement,
FNB is your trusted financial partner.

Healthcare Banking Solutions for Doctors, Dentists and Veterinarians

From education to retirement, FNB delivers personalized banking solutions designed exclusively for healthcare professionals. With a dedicated Healthcare Banking Concierge, clients receive guidance and customized financial strategies that support both personal and practice needs —helping you simplify complex finances, plan for the future, and navigate every stage of a healthcare career with confidence.

Your career is demanding—your banking shouldn’t be. From education to retirement, FNB partners with you through personalized healthcare banking solutions built around your life and your practice. With a dedicated Healthcare Banking Concierge by your side, you’ll receive professional guidance and customized strategies that help you simplify complex finances, support growth, and plan confidently for the future.

In addition to supporting doctors, dentists and veterinarians, FNB also provides banking solutions for the employees who help keep their practices running every day. From personal banking and lending needs to convenient digital tools, we help healthcare staff manage their finances with confidence and ease.

Smart banking for smart medicine

Business First Checking

Business First Checking

Built for healthcare professionals, this solution makes banking easier, mitigates risk and supports stabilized cash flow.

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Compak Business Checking

Compak Business Checking

For small to medium sized practices, this account gives you the essentials without extra costs.

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FirstRate Business Money Market

FirstRate Business Money Market

This account helps your money work harder with tiered interest and convenient access.

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Flexible funding for the unpredictable life of medicine

Real Estate Term Loans

Real Estate Term Loans

A commercial real estate loan for healthcare practices looking to purchase, renovate, or refinance their medical office space.

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Equipment Term Loans

Equipment Term Loans

Financing to purchase, refinance, or upgrade medical equipment while preserving cash flow with predictable monthly payments.

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Business Credit Card

Business Credit Card

From one clinician to your whole staff, the Business Credit Cards at FNB give your practice clear spending control.

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Working Capital Line of Credit

Working Capital
Line of Credit

A solution for practices to handle short-term liquidity needs and cover expenses during cashflow cycles.

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Asset-Secured Line of Credit

Asset-Secured
Line of Credit

Leverage your practice’s assets to fund growth with an Asset‑Based Line of Credit.

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Smart cash management for providers

Merchant Services

Merchant Services

Complete card payment processing helps healthcare practices simplify receivables and get paid faster.

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First Desktop Banker

First Desktop Banker

Deposit checks anytime, from anywhere in your practice, with First Desktop Banker.

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Lock Box Services

Lockbox Services

For practices that receive patient payments by mail and want to reduce the time and cost of processing them.

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ACH Debit Origination

ACH Debit Origination

Receive payments on a predictable schedule with ACH services through FNB Treasury Management.

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EZ Invoice

EZ Invoice

EZInvoice replaces paper billing with a digital solution that streamlines invoicing, payments, reporting, and record storage.

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Wire Transfer

Wire Transfer

Wire transfers offer a fast, secure way to move funds domestically or internationally between financial institutions.

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ACH Debit Filter

ACH Debit Filter

Pay recurring bills easily with ACH and reduce fraud using ACH Debit Filter to block unauthorized debits.

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Account Reconcilement / Positive Pay

Account Reconcilement / Positive Pay

Automate check reconciliation matching issued checks, flagging exceptions and helping protect against fraud.

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Financial care that is always on call

Property Insurance

Property Insurance

Safeguard the assets that keep your practice running. Property insurance protects your building, equipment, and other key items.

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Liability Insurance

Liability Insurance

Liability Insurance coverage shields your practice from unexpected claims, including bodily injury and property.

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Cyber Liability Insurance

Cyber Liability Insurance

Protects your practice if confidential patient or business data is exposed or stolen.

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Crime Insurance

Crime Insurance

Crime Insurance protects your practice from losses caused by theft, fraud, or other businessrelated crimes.

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Smart banking for smart medicine

Premierstyle Checking

Premierstyle Checking

A great checking option for physicians who maintain higher balances and want enhanced benefits.

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Lifestyle Checking

Lifestyle Checking

Lifestyle Checking offers tiered interest—so as your balance rises, your earning potential increases.

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FirstRate Money Market

FirstRate Money Market

An account that rewards higher balances with higher tiered interest—helping physicians make the most of their cash reserves.

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Certificates of Deposit (CDs)

Certificates of Deposit

FNB CDs give physicians predictable earning power—pick the term and rate that fits your goals.

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Flexible funding for the unpredictable life of medicine

Mortgage Solutions for Physicians

Mortgage Solutions for Physicians

Your financial needs are unique—our physician mortgage program is built to meet them.

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Private Banking Secured Line of Credit

Private Banking Secured Line of Credit

A flexible financing option designed to help physicians reach their financial goals.

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Physicians Education Refinance Loan

Physicians Education Refinance Loan

An affordable student refinancing solution designed specifically for physicians, dentists, and veterinarians.

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FNB SmartCash Credit Card

FNB SmartCashSM
Credit Card

Earn 2% cash back on all qualified purchases, just use your card for everyday spending.2

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Save for what matters from residency to retirement

Financial Planning

Financial Planning

Your goals come first. We listen, then design a financial strategy built around what matters to you.

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Wealth Management

Wealth Management

We bring your financial vision to life with tailored solutions designed for physicians and families with more complex needs.

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Private Banking Mortgages for Physicians

Private Banking Mortgages for Physicians

Our physician mortgage program is tailored to fit the pace and demands of your medical career.

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Private Banking Select Plus Checking

Private Banking Select Plus Checking

Exclusive premium checking designed for physicians in our Private Banking program.

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Financial care that is always on call

Primary Residence Insurance

Primary Residence Insurance

Tailored coverage for physicians to protect their primary residence and personal assets from loss, liability, and unexpected events.

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Whole Life Insurance

Whole Life Insurance

Physicians receive permanent lifetime protection with Whole Life Insurance from First National Insurance Agency.

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Identity Theft Insurance

Identity Theft Insurance

Add this optional rider to your homeowner’s policy for protection against stolen personal information.

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Travel Insurance

Travel Insurance

Travel confidently. First National Insurance Agency provides Travel Insurance tailored to the unique needs of physicians.

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Vacation Home Insurance

Vacation Home Insurance

Protect your vacation home, its contents, and your liability with First National Insurance Agency.

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Smart banking for smart medicine

Workplace Banking Solutions

Workplace Banking Solutions

Give your team an extra financial benefit with Workplace First Checking—part of our Workplace Banking Solutions.

Workplace First Checking

Workplace First Checking

A smarter checking option for healthcare employees, with exclusive and discounted services.

Health Savings Accounts

Health Savings Account (HSA)

A taxfree way for employees to save for uncovered medical expenses with convenient, tax-free HSA access options.

Financial care that is always on call

Key Person Coverage

Key Person Coverage

Protect your most valuable asset—your people. Key Person Coverage shields your business from the loss of a critical employee.

Plan Sponsor and Participant Services

Plan Sponsor & Participant Services

Simplify fiduciary duties and strengthen employee satisfaction with retirement plan benefits.

Employee Benefits Insurance

Employee Benefits Insurance

First National Insurance Agency works with you to design benefits that attract and retain your employees.

Workers' Compensation

Workers' Compensation

Coverage strategies built to protect your healthcare practice and its employees from job-related illness, injury claims.

Financial Checkup Icon

Contact a Healthcare Banking Concierge today to receive your financial check-up.

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When Was Your Last Financial Checkup?

We understand that as a healthcare professional, you have numerous demands on your time, leaving little availability to manage your personal financial needs. That is why we have created the Healthcare Banking Concierge.

With a single point of contact, the Healthcare Banking Concierge ensures healthcare professionals receive fully connected financial support by bringing together personal, practice and employee solutions through a unified, relationship‑driven approach.

Physicians Business Bundle

Allow Us to Simplify Your Banking

Taking care of your patients is only one part of running a successful practice. At First National Bank, we help you manage cash flow, mitigate risk and plan for the future with customizable solutions designed for efficiency.

Add Business First Checking, Merchant Services and a Business Credit Card to your cart as one convenient bundle to access secure payment processing, fraud protection, advanced reporting and streamlined expenses.

Let us be your trusted advisor so you can focus more on your patients and less on day-to-day banking.

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Schedule an appointment today to learn more about our mortgage solutions for new residents with Physicians FirstTM.

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