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Terms of Use

F.N.B. Corporation maintains this website to provide you with information about products and services available through our affiliates, and information about F.N.B. Corporation.

WEBSITE TERMS OF USE & DISCLOSURES

Our Agreement with You
Please review the following terms of use and disclosures (collectively Terms of Use) carefully as they govern your use of this website. F.N.B. Corporation and its subsidiaries (FNB) may update these Terms of Use at any time without advance notice to you by updating this webpage. You are responsible for regularly reviewing these Terms of Use. By accessing this website, you agree to be bound by these Terms of Use including any modifications, changes or alterations we may make.

Appropriate Use
This website is intended solely for the personal use of website users whether acting on behalf of themselves as consumers or acting on behalf of an organization or entity they represent in a business capacity (Personal Use). Other than for Personal Use, you may not copy, change or reproduce any portion of this website without prior written permission of FNB. Additionally, you may not republish, transmit, display, distribute, perform, transfer or resell any of the contents of this website without prior written permission of FNB. FNB may withhold such permission at its sole discretion.

Warranties & Representations
While FNB makes every effort to provide accurate information on this website it makes no representation, endorsement, or warranty that such information is accurate or suitable for any particular purpose. THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR WEBSITE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. OTHER LEGAL RIGHTS MAY ALSO VARY FROM STATE TO STATE.

Limitation of Liability
YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE USE OF OUR WEBSITE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE WEBSITE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL FNB OR ITS SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE WEBSITE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL FNB OR ITS SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE WEBSITE, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF FNB AND ITS SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS TERMS OF USE SHALL BE LIMITED TO DIRECT OUT-OF-POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Ownership of Materials
The content and information on our website are copyrighted by FNB and any unauthorized reproduction or distribution of any portion of the website content is prohibited. This includes, but is not limited to, the overall visual design, graphics, images, icons, text and text treatment.

Intellectual Property
View a list of FNB trademarks. Any trademarks and logos not owned by FNB and that are displayed on this website are the registered or unregistered marks of their respective owners. FNB grants no rights to use such marks owned or otherwise, whether by implication, estoppel or similar legal concepts. All marks and logos related to the website, unless listed below, are trademarks or registered trademarks of FNB:

  • Zelle® is a registered trademark of Early Warning Services, LLC.
  • Visa® is a registered trademark of Visa, Inc.
  • Apple® is a registered trademark of Apple Inc.
  • Samsung® is a registered trademark of Samsung Group, Samsung Electronics.
  • Google® is a registered trademark of Google LLC.
  • ExecuBanc™ is a trademark of Information Technology Incorporated.
  • VeriSign™ is a trademark of VeriSign Incorporated.
In addition, all page headers, graphics, button icons and scripts used within the website are FNB service marks, trademarks and/or trade dress. You may not copy, imitate or use any of the above without our prior written consent, which we may withhold at our sole discretion, and you may not use them in a manner that is disparaging to the website or FNB or display them in any manner that implies sponsorship or endorsement. All right, title and interest in and to the website, the technology related to the website, and any and all technology and any content created or derived from any of the foregoing, is the exclusive property of FNB. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to create and display our website.

Governing Law
These Terms of Use shall be governed by, interpreted under and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to any state conflict of law provisions. To the extent that these Terms of Use conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Your existing account relationships shall be governed by and construed in accordance with the laws of the state in which FNB's branch office is located where you initially established your account(s). Accounts opened online through Waubank are governed by the laws of the Commonwealth of Pennsylvania. These Terms of Use shall also be governed by applicable federal law.

Website Links
FNB may establish links between this website and one or more websites operated by third parties. FNB has no control over any such other websites, the contents therein or the products or services offered. The existence of any such links does not constitute an endorsement, representation or warranty by FNB of such websites, the contents of the websites, the products or services of the websites or the operators of the websites. FNB disclaims responsibility for customer practices and privacy policies of any websites linked to FNB sites. Third party sites may have different privacy policies from that of FNB.

Links to this website may not be established without the prior express written consent of FNB. A request for consent should be sent to:
                F.N.B. Corporation
                Site Administrator
                3320 East State Street, Hermitage, PA 16148
                MarketingSupport@fnb-corp.com

Communication Through This Site
Except as otherwise noted (i.e., Online and Mobile Banking), the transmission of information to and from this public website are not sent in a secure manner and can be intercepted by third parties. Sending information to FNB through this website is at your own risk. Do not send sensitive personal or account information to FNB though unsecure email. Instead, if you need to send FNB an email in a secure fashion, use the Messaging Center in Online Banking. Do not send emails for issues which require immediate attention; we may not receive this communication in a timely manner. Do not send requests for transactions via email.

Moreover, any suggestions, ideas, notes, drawings, concepts or other information you may send to us through or regarding the website or any of our secure websites or services (Online Services) shall be considered an uncompensated contribution of intellectual property to FNB, shall also be deemed the exclusive intellectual property of FNB, and shall not be subject to any obligation of confidentiality on the part of FNB. By submitting any such materials, you automatically grant (or warrant that the owner of such materials has expressly granted) to FNB and its licensors a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium or technology now known or later developed, and you warrant that all so-called moral rights in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.

Cookies
FNB uses small data files we place in your web browser called “cookies” that allow us to recognize and remember you when you return to our website. These cookies do not contain any individually recognizable, personal or confidential information. When you visit our site, FNB uses the information in the cookie to provide a more customized and personalized experience. For example, FNB may highlight educational articles or products that we believe you may find of interest based upon your past browsing of our website. If you would like to opt out of using cookies, you can control your cookie settings within your web browser. If you disable cookies, we may not be able to show you personalized information within our website.

Geolocation
Our website uses geolocation services to provide a more personalized experience for our website visitors. Geolocation services allow us to use your web browser and IP address, among other factors, to approximate your geographic location. FNB uses this information when providing you with content specific to your region, such as regional pricing and weather or service alerts. You can disable geolocation services within your web browser if you do not wish to benefit from this service.

Equal Opportunity Employer
It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, or because he or she is an individual with a disability or a disabled veteran, Armed Forces service metal veteran, recently separated veteran, or active duty wartime or campaign badge veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.

Internet Gambling Notice
The Unlawful Internet Gambling Enforcement Act prohibits any person engaged in the business of betting or wagering (as defined by the act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. Banks are required to comply with this Act beginning December 1, 2009.

As defined by Regulation GG, unlawful internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable federal or state law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.” These types of transactions are considered restricted transactions and are prohibited.

As a customer of FNB you should be aware of the following:
  • These restricted transactions are prohibited from being processed through your account or banking relationship with us.
  • Restricted transactions involving an ATM/Debit Card, ACH transfer, Wire Transfers or Bill Payment are prohibited.
  • If you engage in an internet gambling business and open a new commercial account with us, we will require you provide evidence of your legal capacity to do so, prior to establishing the new account.
Please contact our Customer Service Center at 1-800-555-5455 if you would like additional information on these prohibited transactions.

Deposit Products and Services
Bank deposit products and services are provided by First National Bank of Pennsylvania. Member FDIC.

Investment and Insurance Products
Investment and insurance products are NOT INSURED BY THE FDIC OR ANY OTHER FEDERAL GOVERNMENT AGENCY, ARE NOT DEPOSITS OR FINANCIAL OBLIGATIONS OF THE FINANCIAL INSTITUTION, ARE NOT GUARANTEED BY THE FINANCIAL INSTITUTION AND THEY DO INVOLVE INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF PRINCIPAL.

Equal Housing Lender
FNB is an Equal Housing Lender and is committed to complying with all federal regulations surrounding home lending, including the Federal Fair Housing Act and the Equal Credit Opportunity Act.

Geographic Limitations
FNB products and services are only available where permitted by law. Not all products and services are available in all geographic locations. Your eligibility for particular products and services is subject to final determination and acceptance by FNB.

Severability
If any provision of these Terms of Use is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that jurisdiction or any other jurisdiction.

Waiver
We may waive any term or provision of this Terms of Use at any time. We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on the part of FNB in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

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