Personal Checking Accounts

At FNB, we understand that one size does not fit all when it comes to checking accounts. That's why we have designed a variety of checking account options to complement a wide variety of lifestyles and needs. Our customer service representatives will assist you in choosing the perfect account to fit your needs. Whether you are looking for the simplicity of our Regular Checking Account or bonus features of our Advantage Checking Account, we have just the account for you! From students to seniors, we have something for everyone.

• Checking Accounts Comparison
• Advantage Checking Account
• FNB Regular Checking Account
• FNB Senior Checking Account
• FNB Student Checking Account
• NOW Checking Account
• Terms and Fees
• Overdraft Prevention Products
• Current Checking Account Rates

FNB Regular Checking Account

The Farmers National Bank Regular Checking Account is a no-frills basic checking account that still provides high-tech access to your money 24/7. The Regular Checking terms and benefits include:

• $100 minimum to open
• Maximum 20 checks per month, then $0.30 per check when the balance falls below $500. The term “check” includes paper checks and withdrawal receipts, but not other debits posted.
• MasterMoney^TM Debit Card
• No FNB foreign ATM fees
• Free FNB Online Banking
• Free BillPay-e Plus (upon approval)

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FNB Senior Checking Account

Farmers National Bank provides the Senior Checking Account to those customers over 55 who want an account that is easy to access and simple to use. The FNB Senior Checking Account includes the following terms and benefits:

• Available to customers with 55 years of age or better
• $100 minimum to open
• No monthly service fees
• No minimum balance required
• Unlimited check transactions
• MasterMoney^TM Debit Card
• Free FNB Online Banking
• Free BillPay-e Plus (upon approval)
• No FNB foreign ATM fees

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FNB Student Checking Account

Whether you’re attending school close to home or far away, you’ll need a checking account that is simple and easy to access. Farmers National Bank takes the guessing out of everyday banking so you can focus on what matters most. The FNB Student Checking Account includes the following terms and benefits:

• Available to all full time students under the age of 23
• $100 minimum to open
• No monthly service fees
• No minimum balance required
• Maximum 10 checks per month, then $0.50 per check. The term "check" includes paper checks and withdrawal receipts, but not other debits posted.
• MasterMoney^TM Debit Card
• Free FNB Online Banking
• Free BillPay-e Plus (upon approval)
• No FNB foreign ATM fees

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NOW Account

The NOW Account is an interest bearing, transaction account requiring a minimum balance. The account can be offered to individuals, non-profit corporations, charitable organizations, estates, and trusts whose beneficiaries are one or more individuals. NOW Account terms and benefits include:

• $1,000 minimum to open
• Maximum 20 checks per month, then $0.30 per check when the balance falls below the minimum balance requirements. The term “check” includes paper checks and withdrawal receipts, but not other debits posted.
• Earns interest and annual percentage yield (APY) at the posted NOW Account rate.
• Interest will be paid on such accounts at the rate posted in the lobby of each office per annum. The interest rate may change without notice.
• To obtain the stated APY, the customer must maintain a minimum balance of $1,000.
• The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the principle balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Interest will not be compounded. Interest will be credited to the account every month. If the account is closed before interest is credited, the accrued interest will not be paid to the account.
• MasterMoney^TM Debit Card
• Free FNB Online Banking
• Free BillPay-e Plus (upon approval)
• No FNB foreign ATM fees

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Terms and Fees

No charge will be made for items deposited to an account.

The “Service Charge Month” shall be from the first day of the monthly statement period to the last day of the statement period inclusive. Statements will be issued monthly on a staggered schedule. Statements on business accounts will be issued on a calendar basis unless otherwise requested. Monthly statements for personal accounts may be requested on any cycle desired; however, one will be established by the bank on an alphabetical basis. Interim statements may also be issued on request.

Overdrafts: A fee of $30.00 will be charged for each debit transaction created by check, in-person withdrawal, or other electronic means, as applicable.

Returned Debit Items: $30.00 for each returned debit item.

Stop Payment Charge: $30.00 (not applicable to Advantage Checking Accounts)

Dormant Accounts: A maintenance fee of $7.50 per month after six months dormancy. (Dormancy means no activity on the account.)

Debit Card Replacement: $5.00

Fee for closing a demand deposit account open 90 days or less: $15.00

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