Accounts

Checking

Personal Accounts

Free Checking

No service charges and no minimum balance requirement make this a very attractive account. It requires $100 to open and there is no interest paid. Customer must purchase checks.

Common Sense Plus

This is an interest bearing account that is loaded with extra benefits. It requires $100 to open. Customers must maintain a $500 minimum balance to earn interest. Personalized club checks are free. Account includes Accidental Death Insurance, credit card protection, emergency cash advance service, travelers checks, cashier checks and money orders with all fees waived. There is a $5 monthly service fee ($3 per month if you are 55 or older).

NOW

This is an interest bearing checking account that pays a higher interest rate for larger monthly balances. It requires $750 to open. A minimum balance of $750 must be maintained to avoid a $10 per month service charge. Customer must purchase checks.

Student Checking

Free checking account.

Senior Checking

Free checking account.

Commercial Accounts

Commercial Checking Analysis Account

Not-for-Profit Organization Accounts

Regular Free Checking

NOW checking

Savings

Personal Accounts

Regular Savings Account

Student Savings Account

Holiday Savings – Christmas Club

Commercial Accounts

Business Savings Account

Not-For-Profit Organizations

Regular Savings Account

Money Market

This account is ideal for someone who wants to earn a return at a higher interest rate yet still be liquid. It requires $1500 to open. Customers must maintain a $1500 minimum balance to avoid a $10 monthly service fee. The higher your balance, the higher your interest rate. You can write a maximum of three checks per month on this account. Customers must purchase checks.

Bank at School

An educational program that introduces students to the world of money and banking. Visit http://www.state.il.us/treas/Education/BAS.htm for more information on this beneficial program.

IRAs

Whether planning to open a new IRA or looking for a bank to roll over an existing IRA, FNB offers several plans to suit your needs. You can choose a Traditional, ROTH, or Education IRA. Please call or visit the bank for more information.

CDs

With a Certificate of Deposit from FNB, you can earn interest on as little as $1,000. Our CDs will earn you a competitive interest rate based on the current market conditions. Please call or visit the bank for more information.  Check out our rates today.