Personal Checking Accounts

No two wallets are alike. That's why we offer an array of checking accounts. Every account can be set up for direct deposit and comes with a Debit Card, free Online Banking and Online Bill Pay to simplify how you manage your money. We listen to your needs, then help you choose the best type of account for the way you bank.



 FNB Advantage Plus

Need an account that can save you money and earn interest?


FNB Advantage Plus has you covered. Minimum opening balance is $600. Maintain a $1,500 daily minimum balance and we'll waive the $10 monthly fee and the $2 paper statement fee. In addition to saving money where you shop, dine, travel and more with the FNB Advantage app and online deals, keep $2,500 in your account each day and you will automatically earn interest. (See all the advantages!)


 FNB Advantage

Things to do, Places to go, People to see, and Money to Save!


Saving money has never been so easy! FNB Advantage brings 360,000 discounts where you live, work or travel. Just load the app on your mobile device and let the saving begin. Want to pay your bills, transfer funds, or deposit a check at 9PM? With our FNB Mobile app, you can utilize mobile check deposit anytime, day or night, pay bills, transfer funds, check balances....all from your mobile device!

All these Advantages are available for only $7 a month with e-statements ($2 paper statement fee) or $5 a month with e-statements ($2 paper statement fee) for OST customers. Minimum opening balance is $100. (See all the advantages!)


 FNB Advantage Lite

Want to ease your way into FNB Advantage?

Minimum opening balance for FNB Advantage Lite is only $100. Maintain a $100 minimum daily balance and we will waive the $9 monthly fee! You also have access to 3 free deals from local merchants as well as access to our anywhere banking tools through the FNB Mobile app, Online Banking, E-statements, and free debit card. If you decide to upgrade to FNB Advantage, more savings await you! (See all the advantages!)


First Investment


Want to enjoy the benefits of earning interest with the flexibility that allows you to have access to your money?

The First Investment account offers the opportunity to earn interest while making unlimited deposits. The minimum balance to open the account and earn interest is $2,500 with the maintenance fee waived if the minimum balance is maintained throughout the statement cycle. Interest is compounded and credited to your account monthly. Transactions are limited to six per monthly statement cycle.


Ultimate Savings


Looking for tiered interest rates?

Our Ultimate Savings account offers an interest rate that increases with your balance. The minimum balance to open the account and earn interest is $25,000 with the maintenance fee waived if the minimum balance is maintained throughout the statement cycle. Interest is compounded and credited to your account monthly. This account offers unlimited deposits.