A checking account designed for individuals 55 and older.

• Free Money Orders, Cashiers Checks, and Discounted Safe Deposit Box Rental⁶
• Free FNB Web Banking® & My Bill Pay
• Free My eDocs¹
• Free My Alerts
• Free My Mobi²
• Free Bank by Phone Automated Service 24/7
• Free Direct Deposit
• Free FNB Debit/ATM Card Available³
• Free MasterCard® MarketPlace Program
• Free Unlimited FNB ATM Withdrawals
• Free First Order of Checks
• Free Unlimited Check Writing

To receive your $5.00 Cash Back Reward your personal checking account must meet the following requirements. Your account must be:

• Enrolled in My eDocs
• Open Over 30 days
• In Active Status
• 1 Direct Deposit a Month into Your Personal Checking Account
• 10 Debit Card Transactions a Month*
• Make 3 Bill Payments Online through My Bill Pay

*Applicable only for point-of-sale signature based transactions, online purchases, recurring purchases and Personal Identification Number (PIN) based transactions of $5.00 or greater.

• Check Imaging Available⁵
• Add-On Savings Options Available
• Free Combined Statements Available
• Overdraft Protection Option Available⁴

Calculated by using your Average Monthly Collected Balance:

• Monthly fee: $4.00
• Monthly fee waived if: Maintain an Average Collected Monthly Balance Greater than $100 Or by Maintaining a Cumulative Monthly Direct Deposit of $300 or Greater

• Personal Savings
• Youth Foundation Checking
• Certificate of Deposit
• Money Management Fund

• $25 minimum to open
• Government issued picture identification (drivers license, passport, etc.)
• Social security number
• ChexSystems® verification

1. Terms, conditions and additional fees may apply. My eDocs is available through FNB Web Banking®. Not applicable to all notices.
2. Web and text messaging access are needed to use My Mobi. You may be charged standard fees for text messaging and Internet access depending on your mobile device carrier.
3. Card fees may apply, refer to the Schedule of Fees disclosure
4. Refer to Overdraft Privilege Program and the Schedule of Fees disclosure.
5. $10.00 monthly fee for check images returned with your paper statement. No fee for check images returned with eDocs statements.
6. $20.00 credit applied towards one box rental per account, per year. Safe deposit box content are not FDIC insured.