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FNB Mortgage

Earn a Bonus of Up to $1,000 With Our Exclusive Offer.*

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Your Mortgage Backed by More

As we begin serving your banking needs, we're excited to welcome you to First National Bank (FNB). As a full-service financial institution, we're committed to making managing your finances easier with personalized solutions, simple digital tools and exceptional service. To get started, we're offering you the opportunity to earn up to $1,000 when you enroll in eligible digital banking services and set up automatic payments.*

Offer Details

Learn More About This Exclusive Offer

General Information & Offer Details:

  • This promotional offer is available to existing FNB mortgage customers that received the promotional email and open a new eligible personal checking account between September 1, 2026, and December 31, 2026.
  • Eligible checking accounts include eStyle Account, Lifestyle Checking, Premierstyle Checking, Private Banking Select Checking and Private Banking Select Plus Checking.
  • The offer is available in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia, Massachusetts, Tennessee, Rhode Island, Connecticut, Arizona, Florida, Delaware, Georgia, New Jersey, New York, Indiana, Kentucky and the District of Columbia.
  • The promotion provides up to $1,000 in total rewards, paid as four quarterly payments of $250 over a 12-month period.
  • The first 90-day qualification period begins on the date the new eligible checking account is opened.
  • Once all requirements for a qualifying 90-day period are met, the applicable $250 reward will be credited to the account within 15 business days after the end of that period.

Eligibility*

After opening a new, eligible personal checking account using the redemption code, customers must complete all of the following during each 90-day period to earn each quarterly $250 reward:

  • Receive one or more qualifying payroll direct deposits into the new checking account. Qualifying direct deposits include electronic deposits such as payroll, pension, Social Security or other government benefits.
  • Enroll your mortgage in recurring electronic payments (via the Automated Clearing House (ACH) network) from the new checking account.
  • Set up at least one recurring non-mortgage bill payment (such as a utility, mobile phone or insurance) from the new checking account through FNB Online Banking or the merchant's ACH payment system; or complete at least one recurring electronic debit transaction from the new checking account, such as recurring EFTs, Online Bill-Pay transactions, ACH payments or point-of-sale transactions.
  • Maintain your FNB mortgage throughout the promotional period.

    • Exclusions*

    The following exclusions apply:

    • Existing FNB checking accounts.
    • Any checking accounts converted from another FNB personal checking account.
    • Multiple checking accounts opened by the same customer for purposes of this offer.
    • Accounts opened by FNB employees and members of their households.
    • Customers who qualify for multiple FNB promotional offers may receive only one promotional reward.
    • External bank transfers, wire transfers, person-to-person payments (including Venmo® and PayPal®), and micro-deposits do not qualify as payroll direct deposits.
    • ATM withdrawals, account transfers, wire transfers, personal checks, and Zelle® payments do not qualify as recurring electronic debit transactions.
    • Customers who pay off or refinance their FNB mortgage before receiving all promotional payments will forfeit any remaining reward payments.
    • Offers obtained through unauthorized channels are void.
    • Rewards are limited to one promotional reward per household during a 12-month period.

Terms & Conditions:

  • Offer is non-transferable.
  • Offer is valid only for the recipient(s) of the promotional email and is void if obtained through unauthorized channels.
  • FNB may modify, terminate, extend, discontinue or change the offer at any time before the expiration date.
  • Failure to maintain the FNB mortgage, including paying off or refinancing the mortgage before all promotional payments are made, will result in forfeiture of any remaining reward payments.
  • FNB reserves the right to deny payment of any promotional reward if it determines that:
    • Eligibility requirements were not satisfied;
    • The participant acted in bad faith;
    • The participant attempted to manipulate or exploit the promotion;
    • Fraudulent, abusive or other inappropriate conduct occurred.
  • Any applicable taxes are the responsibility of the account holder.
  • To the extent required by law, FNB will report the value of rewards to the IRS on Form 1099.
  • Some eligible checking accounts may earn interest, subject to applicable rates, terms and fees.
  • Fees may reduce account earnings. Refer to the Consumer Fee Schedule for details.
  • Participation in this promotion is voluntary and is not required to obtain, maintain or modify an FNB mortgage.
  • Participation or non-participation does not affect mortgage servicing, loan terms or loan documents.
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For questions or enrollment assistance, call the Mortgage Customer Care Center at 1-800-597‑2359, Monday through Friday, from 8:00 AM to 5:00 PM or email the team using the link provided.

Email the Team

How to Earn the Bonus

Bonuses are paid quarterly and are contingent on maintaining all bundle requirements during the 90-day period. As long as all bundle requirements remain active and uninterrupted, you will continue to receive $250 every 90 days until the maximum bonus of $1,000 is reached. Your account must show:

number

Qualifying Checking Account Opened
FNB will verify that a qualifying checking account was opened. Qualifying checking accounts are listed below.

number

Payroll Direct Deposit Set Up with Your Qualifying FNB Checking Account
FNB will verify that a payroll direct deposit was set up and that we are able to see those deposits in your qualifying checking account.

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Mortgage Enrolled in Direct Electronic Payments (ACH)
FNB will verify that ACH is set up on your account and that the mortgage payments are being processed as a result of the ACH set up.

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Recurring Electronic Debit Transaction Set Up
FNB will verify that there is at least one additional recurring bill being paid out of the qualifying checking account.

Qualifying Checking Account Options

Apply in minutes for the eStyle, Lifestyle and Premierstyle checking accounts using our eStore® Common app. The Private Banking checking account options can be opened by simply scheduling an appointment and providing the promotional code listed in the disclosure to the branch banker.

eStyle Account

eStyle Account

A checkless account that helps you avoid overdraft fees.

Lifestyle Checking

Lifestyle Checking

Keep an eye on your money and watch it grow.

Premierstyle Checking

Premierstyle Checking

Rewarding you for doing more of your banking with us.

Private Banking Select
Checking

Enjoy this exclusive interest-bearing checking account with select features.

Lifestyle Checking

Private Banking Select Plus Checking

A premium checking account exclusively offered to Private Banking clients.

Client Point Login

Already complete step one? Enroll in Online Banking to get access to the digital tools and features that come with your new FNB checking account.

Enroll Now
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Tax Considerations & Reporting (1099)

The Bonus will be treated as income and reported to the IRS on Form 1099 for the year which it is paid. You are responsible for any applicable taxes. Please consult a tax advisor regarding your personal tax situation.
Notices & Disclosures

*Earn up to $1,000 checking promotional offer disclosure: 

This promotional offer is limited to existing FNB mortgage customers opening a new, personal checking account from September 1, 2026, through December 31, 2026, in the following states and the District of Columbia: Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia, Massachusetts, Tennessee, Rhode Island, Connecticut, Arizona, Florida, Delaware, Georgia, New Jersey, New York, Indiana and Kentucky.

The promotional offer consists of four (4) quarterly $250 reward payments over a 12-month period for a maximum reward of $1,000, subject to the eligibility criteria and conditions set forth below.

  • Open a new personal checking account (only available on the following checking accounts: eStyle, Lifestyle, Premierstyle, Private Banking Select Checking or Private Banking Select Plus Checking) using Redemption Code COR1000

To receive each quarterly $250 reward, you must complete each of the three (3) stipulations below:

  1. 1. PAYROLL DIRECT DEPOSIT: Make a qualifying payroll direct deposit(s) into the new personal checking account within each 90-day period. Your qualifying direct deposit(s) must be an electronic-type deposit, including, but not limited to, a paycheck or pension from your employer, government benefits (such as Social Security) or other affiliated depositors. External bank transfers and person-to-person payments (such as Venmo®, PayPal®, wire transfers, etc.) are not considered qualifying direct deposits. Additionally, micro-deposits do not qualify as a direct deposit. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.
  2. 2. AUTOMATIC ACH MORTGAGE PAYMENTS: Enroll your mortgage for automatic ACH payments from the new FNB checking account. ACH mortgage payments are recurring electronic debits from the new personal checking account to pay your monthly mortgage payment.
  3. 3. ONE ADDITIONAL RECURRING PAYMENT: Set up automatic payment of at least one additional recurring bill outside of your mortgage payment (e.g., utilities, mobile, insurance) from the new personal checking account. This is a separate recurring electronic payment scheduled through FNB Online Banking or the merchant’s ACH payment system from the new personal checking account.
    OR
    Make at least one (1) recurring electronic debit transaction from the new personal checking account including, but not limited to, point-of-sale transactions, pre-authorized electronic funds transfers (recurring EFTs) Online Bill-Pay and other ACH payments. ATM withdrawals, transfers to other accounts, wire transfers, personal checks and Zelle® payments are not considered electronic-type debit transactions.

Once all the conditions are met, each $250 reward will be credited to your account within fifteen (15) business days after the end of each 90-day period. The first 90-day period begins on the date that the new qualifying personal checking account (eStyle, Lifestyle, Premierstyle, Private Banking Select Checking or Private Banking Select Plus Checking) is opened.

Offer is non-transferable and subject to discontinuation or change prior to the expiration date without notice. This offer is valid only for the recipient(s) at the email address listed on the promotional email campaign. Offer is void if obtained through unauthorized channels. Offer may be terminated or extended based on response. The offer does not apply to multiple checking accounts, existing FNB checking accounts or accounts converting to another personal checking account. Checking account rewards are limited to one per household per 12-month period. FNB employees and/or members of their household are not eligible for this promotion. FNB may offer multiple promotions at one time. Even if you meet the requirements for multiple promotional offers, you are only eligible for and will receive one promotional reward offer. Customers must maintain their mortgage with FNB for the full duration of their participation in this promotional offer. Paying off or refinancing the FNB mortgage prior to the full promotional payout will result in forfeiture of the remaining promotional payouts. Some checking accounts accrue interest based on balance. Lifestyle Checking currently pays on tiered rates, subject to change at any time. Please visit fnb-online.com or your local branch for current rates. Fees could reduce the earnings on the account. See the Consumer Fee Schedule, which is available at any FNB branch, for further information on fees applicable to this account. To the extent required by law, FNB will report the value of this reward to the IRS on Form 1099. Any applicable taxes are the responsibility of the account holder. We reserve the right to refuse payment of any promotional reward if we determine, in our sole discretion, you have failed to satisfy any eligibility requirement, engaged in conduct that does not align with the spirit and intent of the promotion, acted in bad faith or attempted to manipulate or exploit the promotional terms, or engaged in fraudulent or abusive conduct in connection with your participation in the promotion.

Participation in this program is optional and not a condition to obtain, keep, or modify your mortgage. Your loan documents remain unchanged. Choosing not to participate will not affect the servicing of your mortgage.

Redemption Code: Reference code COR1000 when seeking to redeem the promotional offer in person at an FNB branch. To redeem online at fnb-online.com, you must add the offer to the shopping cart and proceed to checkout when opening your account.

Offer Ends: December 31, 2026

Questions or Enrollment Assistance 
Call Mortgage Servicing at 1-800-597-2359, Monday through Friday from 8:00 AM — 5:00 PM ET or email us at Mortgagecallcenter@fnb-corp.com.

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