Frequently Asked Questions for Personal Banking

Looking for Answers to the most common questions...take a look below for more information.

Checking Account FAQs

QUESTION

ANSWER

Why should I open a checking account?

 A checking account is a convenient way to protect and access your money.

Is the money in my checking account insured?

Yes, FNB checking accounts are FDIC insured up to $250,000.00

How does my debit card work with my checking account?

A debit card is linked directly to your checking account, so when you make a purchase with your FNB debit card, that amount is deducted immediately from your account

How do I view my checking account activity?

You can view your checking account activity the following ways: Sign on to FNB Netteller, UseFNB's mobile app.(must be enrolled in Netteller), Sign-up for E-statement or check your monthly statement you receive in the mail, Call FNB's Freedom Line 877-256-7537 or Visit a branch.

How secure is my financial information?

FNB uses state-of-the-art technology to ensure your information is kept safe. We deliver a secure environment through a variety of methods, such as encryption, firewalls and customer- controlled passwords.

What do I do If my debit card is lost or stolen?

Report the incident as soon as possible by contacting 1-800-791-2525. If you have potential fraudulent transactions call Fraud Prevention at 1-866-842-5208.

Savings Account FAQs

QUESTION

ANSWER

How does a certificate of deposit of work?

When an investor purchases a certificate of deposit, FNB guarantees a rate of return based upon the amount of the CD and the length of the term. If the term is 12 months, the money remains locked in the CD for that period of time.

How safe are CD's?

The FDIC insures CDs up to $250,000. per account owner.

Can purchasing a certificate of deposit improve my credit score?

In general, purchasing a certificate of deposit will not improve your credit score. It may, however, be benificial if you are applying for a loan, as it can be listed as collateral.

Is a certificate of deposit a good place to keep emergency money?

Yes, CD typically pay a higher rate of interest than savings accounts. And the fact that the money is locked into the CD until the maturity date prevents most people from using their emergency funds for non-emergency purchases. Just remember that if the CD is redeemed prior to the maturity date that a penalty might be incurred.