Checking Accounts

The perfect account is right around the corner - read how we can help you move, manage, and maximize your money!


Regular Checking

A standard account for your basic checking account needs.

  • Minimum Opening Balance: $25
  • Interest: This is a non-interest-bearing account.
  • Debit Cards: $1.00 Monthly Fee for Visa FNB ATM / Debit card
  • Activity Fee: $0.15 for each debit and credit transaction if the daily balance falls below $500. (Activity fee will be waived for those age 65 or older if the depositor notifies the bank when age 65 is attained.)


First Club

A checking account that offers interest and waived fees with certain qualifications.

  • Minimum Opening Balance: $100.00
  • Monthly Service Charge: $6.00. If you receive a monthly direct deposit, this fee will be waived.
  • Minimum Balance to Obtain Annual Percentage Yield: $1,000.00 - Interest is compounded daily and credited monthly. The interest rate is subject to change at any time.
  • Checks: First Club Wallet Style Checks are free.
  • Debit Card: FNB ATM / Debit Card monthly fee is waived.
  • Activity Fees: No activity fees are charged on this account.


Student Checking

A checking account made specifically for high school and college students!

  • Minimum Opening Balance: $15.00
  • No Maintenance or Activity Fees
  • First book of checks is free


Learn More


Money Market

This account is an option for those who need to write a limited number of checks each month and are wanting to earn higher interest than a standard checking account.

  • Minimum Opening Balance: $1,000.00
  • Service Fees: $10.00 is imposed if the account balance falls below $1,000.00 at any time during the statement cycle.
  • Interest: Compounded daily and credited to your account monthly. The interest rate and annual percentage yield are subject to change by The FNB Community Bank at any time.
  • Minimum Balance: $1,000.00 must be maintained in the account each day to obtain the disclosed annual percentage yield.
  • Withdrawals: No restrictions on the number or type of withdrawals.


All Accounts Include

  • Free Online Banking and Bill Pay
  • Free 24-Hour Telephone Banking
  • Free Online Check Images
  • Free Direct Deposit
  • Overdraft privilege is available with any checking account to those who qualify
  •  Visa FirstCheck ATM / Debit Cards are available to those who qualify


Overdraft Protection

Overdraft Privilege is a service we offer to checking accounts to cover overdrafts up to a set limit for those who qualify. With Overdraft Privilege, we will generally pay your overdraft items up to $500. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.

When we pay an overdraft item for you, you will be charged our normal $30 fee for each item that is presented (maximum $120 per day). You may be suspended or removed immediately from this service if you do not bring your account to a positive balance within a 30 day period.

Overdraft Privilege will be available for all checks written, in-person withdrawals, and ACH items. This service requires you to complete an opt-in form and approval is based on your creditworthiness.

Please see a customer service representative at any of our branches for this form.


Ready to Order More Checks?

There are many ways to reorder checks! You may order more checks on our online banking under the "Messages and Requests" tab or you can call or visit any of our 7 branches. Our Customer Service Representatives would be happy to help you! Or, you may click the link below and place your order!


Reorder Checks



Documents Needed to Open a Personal Account

  • Driver's License, State ID, or Passport (must be unexpired, government issued, and contain a photo)
  • Social security number
  • If the address on the photo ID does not match your current address, please bring proof of current address such as a Utility bill, R.E Tax form, or other document with the correct address.