Free Checking

An account with no fees when you maintain a monthly electronic deposit.

  • Online banking and mobile banking, including mobile deposit
  • eStatements
  • Debit card with instant debit card alerts
  • First order free of specialty blue checks
  • Sure Pay overdraft protection

eChecking

If you prefer to bank online rather than in-person, then eChecking is the account for you.

  • Online banking and mobile banking, including mobile deposit
  • Free bill pay
  • eStatements
  • First five checks paid during a statement cycle are free
  • Debit card with instant debit card alerts
  • No fees will be assessed for use of a non-FNB ATM*
  • Sure Pay overdraft protection

Student Checking

A checking account designed to meet the needs of high school and college students who are at least 16 years old. Master managing your own finances before living on your own.

  • Debit card
  • Online and mobile banking, including mobile deposit
  • eStatements
  • First order free of specialty blue checks
  • One service charge refund
  • No fees assessed for use of a non-FNB ATM*

Basic Checking

The ideal budget account with no minimum balance requirements.

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. You’ll earn higher rates with higher balances, and can make unlimited withdrawals in person.

Sure Pay

We know that no one intends to overdraw their checking account, but mistakes happen. Wouldn’t it be nice to avoid a returned item if a small mistake should occur? We think so, and are confident that if you ever need Sure Pay, you will be happy it was there for you.

Learn more about Sure Pay

Checking Comparison Chart

AccountMinimum Opening DepositSpecial FeaturesMonthly Service
Charge
(to avoid monthly service charge)
Minimum BalanceBill Pay Fee
Free Checking$25*unlimited check writing
*first order free of specialty blue checks
$5 unless you maintain monthly electronic direct deposit-$5.95
eChecking$100*no domestic ATM fees3
*eStatements required
$1 per check if you exceed five checks per statement period-Free
Student Checking$25*debit card
*one service charge refund
*first order free of specialty blue checks
*no domestic ATM fees3
None-Free
Basic Checking$25Your account will receive an earnings credit to defray the monthly service charges4$1 per month
.10 per item paid
.05 per item deposited
excluding ACH debits and credits
-$5.95
Preferred Checking$100*ability to maintain average daily balance in your checking or linked savings account
*unlimited check writing
$3 unless you maintain the average daily balance$500 average daily balance$5.95
NOW Checking$500*by maintaining an average daily balance, your account will receive a competitive rate of interest4
*unlimited check writing
$3, plus .15 per item paid, excluding ACH debits*
No interest paid*
$500 average daily balance$5.95
Money Market Checking$2,5001
$10,0002
*market based interest rates4
*six transfers per statement cycle
*unlimited withdrawals in person, by mail, messenger or ATM
$3 per month1*
$10 per month2*
No interest paid*
$2,500 average daily balance1 $10,000 average daily balance2$5.95

Account: Free Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $25
  • *unlimited check writing
    *first order free of specialty blue checks
  • $5 unless you maintain monthly electronic direct deposit
  • -
  • $5.95

Account: eChecking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $100
  • *no domestic ATM fees3
    *eStatements required
  • $1 per check if you exceed five checks per statement period
  • -
  • Free

Account: Student Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $25
  • *debit card
    *one service charge refund
    *first order free of specialty blue checks
    *no domestic ATM fees3
  • None
  • -
  • Free

Account: Basic Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $25
  • Your account will receive an earnings credit to defray the monthly service charges4
  • $1 per month
    .10 per item paid
    .05 per item deposited
    excluding ACH debits and credits
  • -
  • $5.95

Account: Preferred Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $100
  • *ability to maintain average daily balance in your checking or linked savings account
    *unlimited check writing
  • $3 unless you maintain the average daily balance
  • $500 average daily balance
  • $5.95

Account: NOW Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $500
  • *by maintaining an average daily balance, your account will receive a competitive rate of interest4
    *unlimited check writing
  • $3, plus .15 per item paid, excluding ACH debits*
    No interest paid*
  • $500 average daily balance
  • $5.95

Account: Money Market Checking

  • Minimum Opening Deposit
  • Special Features
  • Monthly Service
    Charge
    (to avoid monthly service charge)
  • Minimum Balance
  • Bill Pay Fee
  • $2,5001
    $10,0002
  • *market based interest rates4
    *six transfers per statement cycle
    *unlimited withdrawals in person, by mail, messenger or ATM
  • $3 per month1*
    $10 per month2*
    No interest paid*
  • $2,500 average daily balance1 $10,000 average daily balance2
  • $5.95

1. Standard money market account
2. Tiered Money Market Account
3. Other bank surcharges may apply
4. For current rate information, call us at (518)370-7200 or visit the interest rate page
5. Must be 18 to enroll.
* Unless you maintain the average daily balance

Annual Earnings Credit Rate

Effective date: January 2, 2019

Products applies onlyAnnual Percentage Yield
Basic Checking and Business Checking0.60%

Products applies only: Basic Checking and Business Checking

  • Annual Percentage Yield
  • 0.60%

FDIC Insured
CDs $50,000+ are subject to daily quote.
All rates are subject to change without notice.
Rate change as of January 2, 2019.
Fees may reduce earnings on accounts.