Current Notices

Visit FNB's Winter Wonderland with Santa & Mrs. Claus on Saturday, December 16, 9 - 11 a.m. at the Financial Center.

Checking

Non-Interest Bearing with Earning Power

This account is a non-interest bearing checking account with earning power.

Earning power is computed on the lowest monthly balance (rounded down to the nearest $50) on statement cycle day and deducted from the activity fee (.10% of low monthly balance). For instance, if your lowest balance was $7,545, the earning power is .10% of $7,500 (rounded down) or $7.50.

The earning power is credited to your account if there are activity fees. Debit and Credit activity fees are debited to your account.

Example 1

Fee / Earning Type Transactions Total
Debit Activity Fee (checks) (30 @ $0.15) $4.50
Credit Activity Fee (deposits) (10 @ $0.15) $1.50
Earning Power ($7,500 x .10%) $7.50

The earning power of $7.50 is greater than the fees ($6), resulting in no charge on the account for this month.

Example 2

Fee / Earning Type Transactions Total
Debit Activity Fee (checks) (50 @ $0.15) $7.50
Credit Activity Fee (deposits) (10 @ $0.15) $1.50
Earning Power ($7,500 x .10%)

$7.50

The earning power of $7.50 is less than the fees ($9), so the account would be charged $1.50.

Fee Rates

Fees are assessed as follows:

Fee Type Rate
Activity Fee $0.15 per debit / credit includes ACH less earning power credit *
Non-sufficient Funds $30 per item, $120 per day maximum
Overdraft Fee $30 per item, $120 per day maximum
Stop Payments $30 per item
Returned Deposit Item $5 per item
Special Statement $2 each

Full translation of expanded addenda records (Electronic Data Interchange) attached to ACH payments is available upon request.

Fees for other special services will be priced upon request.

Electronic banking services such as direct deposit payroll, tax payments, and cash management are available. Further information is available upon request.

Walk-up night depository, drive-up night depository and ATM Locations are available at various locations. Deposits are picked up at the locations and available for customer pickup by 9:30 a.m. each day. Night deposit bags are available at no charge.

Documents Needed to Open an Account

Documents needed to open business checking accounts vary depending on the type of business checking account that is needed:

Sole Proprietorship

  • Assumed name certificate
  • Valid government-issued photo identification (ID), proof of social security number (SSN), proof of correct address

Partnership

  • Partnership resolution
  • Business license
  • Assumed name certificate
  • Valid government-issued photo identification (ID), proof of social security number (SSN), proof of correct address, proof of employer identification number (EIN) for business

Limited Liability Company

  • Limited Liability company resolution
  • Articles of Organization
  • Operating agreement
  • Certificate of good standing
  • Valid government-issued photo identification (ID), proof of social security number (SSN), proof of correct address, proof of employer identification number (EIN) for business

Corporations

  • Corporate resolution
  • Certified copy of articles of incorporation
  • Certificate of good standing
  • Valid government-issued photo identification (ID), proof of social security number (SSN), proof of correct address, proof of employer identification number (EIN) for business

Clubs, Lodges, and Civic Organizations

  • Meeting minutes
  • Officer roster with phone numbers
  • Organization resolution
  • Written statement of any changes in account signers
  • Valid government-issued photo identification (ID), proof of social security number (SSN), proof of correct address, proof of employer identification number (EIN) for business