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Personal Checking Accounts

Advantage Checking
Being a Member has its Advantages!

Remember how great it felt to be a member? Join Advantage Checking at Farmers National Bank and enjoy the benefits! Advantage Checking is the premium checking account provided by FNB which provides financial, savings, security, travel, and entertainment benefits. Enjoy no minimum balance requirements and unlimited check writing with free check orders. Most importantly, members receive Accidental Death and Dismemberment Insurance as well as Identity Fraud Expense Reimbursement Coverage including Fraud Resolution Service!

Financial Benefits

  • $100 Minimum To Open
  • $8.00 Per Month Maintenance Fee
  • No Minimum Balance Required
  • Unlimited Check Writing
  • MasterCard Debit Card
  • No FNB Foreign ATM Fees (charges from other banks may apply)
  • Free FNB Online Banking
  • Free Bill Pay (upon approval)

Savings Benefits

  • Cash Back Member Rewards
    • Start receiving Cash Back Member Rewards today! You can earn 10% cash back on your everyday purchases - such as groceries, household supplies, and entertainment. Save your receipts and submit quarterly for cash back rewards. To earn your Cash Back Member Rewards, simply mail the Cash Back Member Rewards Request Form to the Benefits Service Center. You are eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40/annually.
  • Free Personalized Custom Creations Checks
    • Choose from 5 colors. Receive up to 4 free boxes of Wallet Checks per year. You may also upgrade
      to Duplicate Custom Creations Checks for only $5.00.
  • $20 Discount on Annual Safe Deposit Box Rental (subject to availability)
  • Free Cashiers Checks (up to 6 per month)
  • Free Stop Payments (1 per quarter)
  • Free Copy Service (up to 50 copies)
  • Free Fax Service (up to 25 sheets)
  • Free Notary Service

Security Benefits

  • Credit Card Registration
    • Register your credit, debit and ATM cards with us and have the peace of mind of knowing your cards
      are protected and your liability is limited should your cards become lost or stolen. With one toll-free
      phone call you will be able to cancel your missing cards, stop unauthorized use and request
      replacement cards. If unauthorized charges appear on your account and the card issuer holds you responsible, we will pay the amount for which you are liable.
  • $10,000 Accidental Death & Dismemberment Insurance
    • Members are protected with $10,000 of 24-hour Accidental Death & Dismemberment Insurance.
  • $5,000 Identity Fraud Expense Reimbursement Coverage*
    • Restoring one’s name and good credit is time consuming and expensive. Identity theft victims must
      endure a number of costly steps to re-establish their identities and dispute fraudulent debts and
      accounts opened by an identity thief. You are protected with $5,000 of Identity Theft Fraud Expense
      Coverage to cover expenses incurred in the recovery of stolen identity such as lost wages, legal fees, certified mail and long distance charges.
  • Fraud Resolution Service*
    • Members who fall victim to identity theft receive a customized ID Theft Recovery Kit to assist in the
      process of restoring identity profiles and credit records. Resolution Services include ordering a credit
      report, alerting credit monitoring agencies, providing credit monitoring, and preparing documentation
      and letters.

Travel & Entertainment Benefits

  • Entertainment® SaversGuide®
    • The SaversGuide® Directory lists thousands of hotels and restaurants where you can obtain great
      discounts just by showing your SaversGuide® Membership Card. The directory also contains
      discounts to movie theaters and money-saving coupons from top national merchants across the
      country. To enjoy even more savings, visit the SaversGuide® web link located within the directory. The web site allows you to search for local merchants in your hometown or hotels and merchants at your vacation destination.

Special Insurance Program Notes:
The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate.

*Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of
America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims of losses depends on actual
policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations. Coveragenot available for residents of New York.

Insurance products:

Not insured by FDIC or any
Federal Government Agency
Not a deposit of or guaranteed by the bank or any bank affiliate