• $100 minimum opening deposit

• No minimum balance

• $7.50 monthly fee ($5.00 for ages 55 and up)

• Free personalized checks

• Free FNB Bank Visa check card

• No fee FNB Bank ATM transactions

• Unlimited check writing

• Free 24 hour account info hotline

• Free Internet Banking

• Free Internet Bill Pay

• Free Automatic Payments

• Free unlimited direct deposits

• Free email statement delivery

• Identity Watch Protection

• Credit/Debit card lost card protection

• Prescription Drug Discount Card

• Hearing Instrument Discounts

• Free Beltone hearing exams

• Prescription eye wear discounts

• Vision exam discounts

• Nationwide hotel discounts

• Car Rental Discounts

• $10,000 AD&D insurance

• Free Notary service

• Free travelers checks

• Free Gift

• Living Family Journal Program www.allaboutfamily.com/fnbky

• $100 minimum opening deposit

• $400 minimum balance

• No monthly fee for balances above $400

• Earns interest on balances $2,500 & up

• Free first order of Deluxe personalized checks

• Free check images

• Free FNB Bank Visa check card

• No fee FNB Bank ATM transactions

• Unlimited check writing

• Free 24 hour account info hotline

• Free Internet Banking

• Free Internet Bill Pay

• Free Automatic Payments

• Free unlimited direct deposits

• Free email statement delivery

• $100 minimum opening deposit

• $2,500 minimum balance

• $10 per month for balances below $2,500

• Free first order personalized checks

• Earns interest

• Interest tiers on three levels:

• balances above $9,999

• $10,000-$24,999

• $25,000 & up

• Free cashiers checks, travelers checks & money orders

• Check images with statement

• Free FNB Bank Visa check card

• No fee FNB Bank ATM transactions

• Unlimited check writing

• Free 24 hour account info hotline

• Free Internet Banking

• Free Internet Bill Pay

• Free Automatic Payments

• Free unlimited direct deposits

• Free email statement delivery

• $100 minimum opening deposit

• No monthly fee

• Free first order of personalized checks

• Free check images

• Free cashiers checks, travelers checks, & money orders

• Free Christmas Club Account

• Free FNB Bank Visa check card

• No fee FNB Bank ATM transactions

• Unlimited check writing

• Free 24 hour account info hotline

• Free Internet Banking

• Free Internet Bill Pay

• Free Automatic Payments

• Free unlimited direct deposits

• Free email statement delivery

FREEDOM "FREE" ACCOUNT

• $50 minimum opening deposit

• No minimum balance

• No monthly fee

• Free first order of Deluxe personalized checks

• Free FNB Bank Visa check card

• No fee FNB Bank ATM transactions

• Unlimited check writing

• Free 24 hour account info hotline

• Free Internet Banking

• Free Internet Bill Pay

• Free Automatic Payments

• Free unlimited direct deposits

• Free email statement delivery

 SAVINGS ACCOUNTS

Money Market Account  

• $2,500 minimum opening deposit
• Earns interest
• 6 total transactions per month (3 check/3 transfers) ($5 each transaction over 6)

• No fee for balances above $2,500 (If balance falls below $2,500, a $7.50 fee will be assessed)

Money Market Plus (Must have an FNB Bank checking account to qualify) 

• $ 2,500 minimum opening deposit
• Earns a higher interest rate than the standard money market account
• 6 total transactions per month (3 check/3 transfers)  ($10 each transaction over 6)
• No fee for balances above $2,500  (If balance falls below $2,500, a $10 fee will be assessed)

Reserve Investment 

• $2,500 minimum opening deposit
• Tiered interest rate
• 6 total transactions per month  (3 check/3 transfers) ($1 each transaction over 6)
• No fee for balances above $2,500  (If balance falls below $2,500, a $10 fee will be assessed)

Statement Savings

• $100 minimum opening deposit
• No minimum balance
• No monthly fee
• Earns Interest 
• 4 free banking center/ATM withdrawals per month ($1 per withdrawal over 4)
• Free FNB Bank debit card (PIN Based)
• No fee FNB Bank ATM transactions
• Free 24 hour account info hotline
• Free Internet Banking
• Free Automatic Payments
• Free unlimited direct deposits
• Free email statement delivery

• Earns a great interest rate (see rate sheet)

• No minimum to open

• No previous banking relationship required by parent or guardian

• Monthly deposit limit is $100 except for Christmas, birthdays or other major gifting holidays

• Maximum initial deposit amount: $1,000

BUSINESS BANKING

WE ALSO OFFER:

Christmas Club

CD's

IRA's

Business / Commercial Loans

Consumer Loans

Home Loans

Home Equity Lines of Credit

Ask one of our Customer Service Representatives for details.

FNB Free Business Checking

• $0 per month

• No minimum

• 150 items free (.25 fee for items over 150)

 FNB Small Business Checking

• $7.50 per month

• No minimum

• 300 items free (.25 fee for items over 300)

 FNB Business Checking 

• $10 per month if balance is below minimum

• $2,500 minimum balance

• 400 items free (.25 fee for items over 400)

BUSINESS BANKING

Account Analysis Checking: 

FNB Bank’s Account Analysis Checking provides you with a summary of your checking account and cash management services activity for the previous month, so that you can easily track your usage of banking products.

With Account Analysis Checking you'll get a detailed breakdown of your average balance levels as well as a listing of each of the individual services you use. This way, you are better able to manage your cash position. You'll also get a summary of the your Earned Credit Rate – credit you earn based on your balances – along with a complete reconciliation of your account balances and the bank fees that apply to them.