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Union Bank

FNB Welcomes Union Bank Customers

Review important updates, conversion dates and online and mobile banking instructions.

Partners in Your Success

We are excited to welcome Union Bank personal and business customers to FNB. As part of the FNB family, you will have access to more of the things that make banking better. More convenience, more technology, more innovation and products and services to help you achieve your goals.

You can rely on our bankers to help you develop a plan to achieve your financial goals. With the professional guidance, support and resources of one of the 50 largest bank holding companies in the U.S. by total assets, you can be certain that your plan will continue to work for you.

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Important Updates

  • To prepare for this transition, please be aware that Union Bank's personal and business Online and Mobile Banking services will be unavailable beginning Friday, December 9, at 5:00 PM ET, through Sunday, December 11, at 8:00 PM ET, as we prepare for this transition.
  • Your Union Bank transaction history will not be converted to FNB Online/Mobile Banking. Online statements will be available via Online/Mobile Banking on December 30, 2022. To ensure you have retained all of your transaction information, we recommend printing your Union Bank transaction history and online statements prior to Friday, December 9, 2022.
  • Return to this page on or after Sunday, December 11, 2022, to get started with FNB's Online and Mobile Banking Services.

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Frequently Asked Questions

For answers to your Union Bank acquisition questions, review the frequently asked questions.

View FAQs

Key Dates

See the key dates below to help ensure you experience a seamless banking experience.

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December 9, 2022

Union Bank locations will close as of 6:00 PM ET. Access to Union Bank Online and Mobile Banking will end at 5:00 PM ET.

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December 10, 2022

Union Bank locations will remain closed through the weekend. Access to Union Bank Online and Mobile Banking will no longer be available.

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December 11, 2022

Union Bank locations will remain closed through the weekend. Access to Union Bank Online and Mobile Banking will no longer be available.

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December 12, 2022

All former Union Bank locations will open for business as FNB. Return to this page on or after this date to re-establish your access to Online and Mobile Banking.

Welcome to FNB's Digital Banking Services

Prior to conversion, current Online and Mobile Banking customers will receive a detailed letter that will explain how to access your accounts through Online and Mobile Banking beginning Sunday, December 11, 2022.

You will need to complete the set-up process in the FNB Online Banking service prior to accessing your accounts. You also may return to this page on or after Sunday, December 11, 2022, and follow the instructions to complete the set-up process.

Steps for Setting Up Your Online Banking Access

Follow the steps below to set up your Online Banking access on or after December 11, 2022.

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Step 1

Select the “Set Up Now” button below. You will need your account number, SSN and date of birth.

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Step 2

Review and accept our Consumer Agreement for Online Services.

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Step 3

Set up your new password. You can use your Union Bank password as long as it meets our guidelines.

Set Up Now

Important Documents

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Explore other products and solutions at our one-of-a-kind eStore.®

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Special Offers

As part of the FNB family, Union Bank customers will have access to a wealth of new benefits, including these special offers.

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Save on Closing Costs With a New Mortgage From FNB

Whether you are looking to buy, build, renovate or refinance, you are eligible to receive $250 off closing costs from FNB.

Mention offer code UNION250 at the time of application to take advantage of this special offer.1

Schedule an Appointment

Additional 0.25% Increase on a New FNB CD

As a welcome to Union Bank customers, take advantage of a 0.25% increase to any NEW CD Special opened in an FNB branch after conversion.2

Schedule an Appointment
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Great Low Rate on a Home Equity Line of Credit

Apply for a loan in an FNB branch after conversion and receive an introductory rate of 1.99% APR on a Home Equity Line of Credit for 90 days from the date of account opening.3 After the introductory period ends, the rate will adjust to 5.99%-6.74% variable APR.

Schedule an Appointment

Complimentary Financial Checkups

In-depth financial analysis conducted by an FNB Financial Advisor.4

Schedule an Appointment
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Complimentary Insurance Checkups

Comprehensive review of your existing personal insurance policies by a dedicated insurance concierge to identify potential gaps in coverage and recommendations on how to maximize protection.5

Schedule an Appointment

Complimentary Mortgage Checkups

Explore your mortgage, refinance and debt consolidation loan options with an FNB mortgage lending expert.

Schedule an Appointment
Notices & Disclosures
1 - Offer valid after conversion only. Mortgage application must be dated no later than February 28, 2023. You must mention the offer code to the mortgage officer at the time of application in order to receive $250 off closing costs.

2 - Open a NEW certificate of deposit special (CD Special Terms of 7-month, 13-month, 19-month, 25-month, 35-month, 52-month and 61-month Terms) and meet the conditions set forth below to receive the promotional 0.25% increase. The offer is subject to change at any time without notice. Offer applies to consumer and business accounts only. To be eligible for the promotional 0.25% Annual Percentage Yield (APY) increase, you must meet the following conditions: 1) make a minimum opening deposit of $5,000 and 2) have an existing First National Bank (FNB) consumer or business checking account OR open a NEW FNB consumer or business checking account. This promotional rate cannot be combined with other offers. The promotional interest rate is limited to one account per household and is available on account balances of $5,000 up to $250,000. A penalty may be imposed for early withdrawals. Fees could reduce earnings on the account. See the Consumer or Business Fee Schedules, which are available at any FNB branch, for further information on fees applicable to your accounts. This promotional interest rate is not available for public funds. Offer is subject to withdrawal by FNB at any time. Offer available in-branch only for the following states: North Carolina. Offer available through February 28, 2023.

3 - Annual Percentage Rate: Annual Percentage Rate (APR) shown is available as of November 3, 2022, to qualified applicants for variable rate lines of credit secured by single-family owner-occupied residential property. After the 1.99% APR 90 day introductory period, the APR will be a variable rate based on The Wall Street Journal’s Prime Rate. After the introductory period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the Home Equity Line of Credit agreement. A line of credit (line) amount of $25,000 is eligible for Prime minus 0.26% (6.74% APR); a line amount of $50,000 is eligible for Prime minus 0.51% (6.49% APR); a line amount of $100,000 is eligible for Prime minus 0.96% (6.04% APR); and a line amount of at least $150,000 is eligible for Prime minus 1.01% (5.99% APR). The APRs shown are available on 85% combined loan-to-value ratio. Refinancing of any First National Bank loan requires an increase of $25,000. Interest rate will vary as The Wall Street Journal’s Prime Rate changes but will never exceed the applicable state maximum rate, which is 18% in South Carolina and 16% in North Carolina. This offer is subject to geographical limitations as determined by First National Bank. As of November 3, 2022, The Wall Street Journal’s Prime Rate is 7.00%. Consult with a tax advisor to determine whether the interest you pay is tax deductible. Your APR may be higher based on the prevailing variable rate index value, your credit qualifications, the amount of your credit line, combined loan to value, whether you elect the automatic payment feature from a First National Bank checking account, and/or property type. Insurance: Property insurance is required. Title Insurance is required on lines of $500,000 or more at borrower expense. Flood insurance may be required. Annual Fee: Annual fee of $50 charged each anniversary date may apply. Early Termination Fee: Early termination fee of $350 may be assessed if line is closed within the first three years. LockOption Fee: LockOption fee of $75 for each lock. If the LockOption feature is requested, your payment must be automatically deducted from a First National Bank deposit account and cannot be cancelled. Offer may be withdrawn at any time without notice. Approval subject to credit qualifications. Other terms available at different rates. First National Bank NMLS# 766529. Offer valid in-branch only. First National Bank Home Equity Line of Credit application must be on file by February 28, 2023.
4 - Products and services offered through F.N.B. Wealth Management are not FDIC insured and are not deposits or obligations of/or guaranteed by F.N.B. Corporation or its affiliates. Not insured by any Federal Government Agency. These products are subject to investment risks including possible loss of principal.

5 - Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are not insured by the FDIC or any other government agency, not a deposit of, or guaranteed by F.N.B. Corporation or its affiliates. May lose value (if product involves an investment risk).

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