We offer a wide range of flexible checking account options that let you tailor a plan to meet your individual needs:

Basic Checking

Our Basic Checking Account has no minimum monthly balance requirement, a modest per check fee and a low monthly maintenance charge. Plus, your account will receive an earnings credit used towards defraying the monthly service charge based on the average daily balance of your account for each cycle period. This all adds up to the ideal budget checking account for you.

Free Checking

By maintaining a monthly electronic direct deposit, our Free Checking Account has no minimum balance requirement and no monthly service charge. When you open this account you will receive your first order of Specialty Blue checks free or $10.00 toward the purchase of any other check design.


If you prefer to bank online rather than in-person, then e-checking is the account for you. Free bill pay, free online banking, e-Statements, and free telephone banking will assist you in managing your accounts electronically. Plus, your first five checks paid during a statement cycle are free and no fees will be assessed for use of a non-FNB ATM*.

Student Checking

A checking account designed to meet the needs of high school and college students who are at least 16 years old. This account has no minimum balance requirement, no monthly fees and no fees assessed for use of a non-FNB ATM*. When you open a Student Checking account you will also receive a debit card, free first order of specialty blue checks and online banking. Master managing your own finances before living on your own.

Preferred Checking

If you maintain a $500 average daily balance in your checking account or in a linked savings account, our Preferred Checking Account offers no monthly fees and unlimited check writing.

NOW Checking

If you maintain a $500 average daily balance in your checking account, our NOW Account offers a competitive rate of interest and unlimited check writing.

Money Market Checking

With a Money Market Checking Account, you earn interest at market based rates with limited check writing privileges and transfers. By maintaining a $2,500 average daily balance (Standard Money Market Account) or a $10,000 average daily balance (Tiered Money Market Account), you can avoid service charges. You'll earn higher rates with higher balances, and can make unlimited withdrawals in person.

Health Savings Accounts

Take control of your own health care decisions, with a Health Savings Account. A tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses.

Estate Checking

Our Estate Checking Accounts are available to qualified estate administrators and executors. Let an experienced Customer Service Associate help you choose an account that best suits your needs.

*Other bank surcharges may apply

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