Cash Management

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Money Market Account

Make your money work for you with our money market account.

  • $2,500 minimum deposit to open
  • Variable interest-bearing account compounded monthly
  • $2,500 daily balance required to avoid $10 monthly service fee
  • Interest rate and annual percentage yield depend upon the applicable rate tier.  The corresponding interest rate is paid on the entire balance, depending on which tier the average daily balance is in:
    • Tier 1: $2,500-$24,999.99
    • Tier 2: $25,000-$249,999.99
    • Tier 3: $250,000+

Certificates of Deposit (CDs)

Good things come to those who wait! With a Certificate of Deposit (CD), earn guaranteed returns for your deposits that you keep with FNB.

  • $1,000 minimum deposit to open
  • Competitive, fixed interest rates higher than regular savings
  • A wide variety of terms (from 6 to 60 months)
  • Early withdraws subject to penalty*

*Early withdraws can result in penalties that vary by term of CD.  Contact any of our branches for detailed information.

Individual Retirement Accounts (IRAs)

IRAs are excellent investment options to help you work towards saving for a more fulfilling retirement.  We offer both Traditional and Roth plans and can help you find the plan that meets your needs.

  • $1,000 minimum deposit to open
  • Contribution limits are determined by income and coverage requirements by other retirement plans
  • Contribution limits and distributions requirements are determined by IRS

Health Savings Accounts (HSA)

Setting money aside for medical expenses is easy with a Health Savings Accounts (HSA) with FNB.  Contributions are tax-deductible and eligible distributions are tax free.  Easily access your FNB HSA funds with a dedicated debit card or check and rest easy knowing unused funds carry over year to year.

  • $100 minimum deposit to open
  • Variable rate interest-bearing checking account compounded monthly
  • $300 daily balance required to avoid $3.50 monthly service fee
  • Contribution restrictions apply – see personal banker for details
  • Interest rate and annual percentage yield depend upon the applicable rate tier.  The corresponding interest rate is paid on the entire balance, depending on which tier the average daily balance is in:
    • Tier 1: $0.00-$24,999.99
    • Tier 2: $25,000.00+