Featured Savings Rates
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First National Bank of Pennsylvania

Popular Accounts at this Bank

1.55%1-year CD13 Month CD Special
0.01%CheckingLifestyle Checking
2.45%6+ Year CD10 Year CD Special

Overview / Commentary
One North Shore Center
Pittsburgh, PA 15212

First National Bank of Pennsylvania was founded in 1864 as the First National Bank of Greenville. Still headquartered in Greenville, PA, First National Bank of Pennsylvania is owned by the F.N.B. Corporation (NYSE: FNB). The bank offers a broad suite of consumer and commercial banking products and services.

Personal depository banking products offered by First National Bank of Pennsylvania include: checking accounts, savings accounts, money market accounts, Health Savings Accounts (HSAs), and Certificates of Deposit (CDs).

The bank’s personal checking account options include accounts that bear interest and those that do not, including an interest-bearing relationship checking account that offers extra perks to customers who purchase additional banking products from First National Bank of Pennsylvania. At the time of this writing, checking accounts, savings accounts, money market accounts, and HSAs all yield tiered interest rates, depending upon account balance. First National Bank of Pennsylvania’s CD terms range from 3 months to 5 years. Online and mobile banking options are available, in addition to access to funds through debit cards and ATMs.

First National Bank of Pennsylvania offers several different business checking accounts, which vary primarily by business type and size. The bank’s business money market account yields better interest rates for larger account balances. Normal business CDs have the same term range as personal CDs. However, for large deposits, First National Bank of Pennsylvania offers “jumbo” CDs, with terms ranging from 7 to 365 days.

Related Posts

First National Bank (PA) Adds 13-month CD Special - 9/5/2017

First National Bank (PA) is offering a 13-month CD Special (1.75% APY). $5k min/$500k max deposit of new money. A checking relationship is also required.

First National Bank Adds $150 Checking Bonus (Expired) - 7/11/2017

First National Bank is offering a $150 checking bonus now through 12/31/17. Available online and in-branch to residents of MD, NC, OH, PA, SC, and WV.

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Great customer service, horrible overdraft fees

I love banking with First National Bank, but their overdraft fees for their checking accounts are insane. So far as I know, they can charge you up to 10 in a day. At $37 each, that can really rack up a bill! Things happen, and sometimes it can't be avoided. In my case, a company illegally charged me and put me into the negative, and then I awoke to 8 overdraft fees. Luckily, their customer service is pretty decent so they reversed them all, but it would have been much better if they had never charged me in the first place. I think most other banks have a lower amount of potential overdraft fees that you can be charged in a day. I never paid attention tho this previously, but now you better believe that I will! So I give this bank a 3.6 overall, due to unreasonable policies regarding overdraft fees.

First National Baank of Pennsylvania

This bank bought my local bank (OBA Federal). I thought that the service will decrease after the takeover (Personal was replaced) but to my delight the customer service is still great. I go to my local branch at least twice a month and I am always happy with my experience. There are very courteous and always letting me know about new products. The new web site is an improvement compared to the previous bank and also they offer a phone app to view your account using your smart phones. They offer a great variety of financial products such auto and home loans and wealth management through Investment Advisory Services, Financial and Estate Planning Service and Insurance Advisory Services. Note that some of these services are through a partnership with Cetera Investment Services

FEES/Customer Service

Posted by: sel | Sep 20, 2017

Fees outrageously high, charging :$3.49? for a monthly paper statement, that i should received anyway? Customer service are nice but not encourage to further assist the client. i had a question about online, while dealing with that i had ask a question about their foreign exchange, and her answer was: "i dont know, i guess i can have someone call you back" finish with the Online access and she never offered assistance on my second question. i understand that there are protocol for every case but it is part of CS to answer all of your customer question.

Worst Bank, Ever!

Posted by: Veritas | Oct 6, 2017

I have never dealt with any bank or any company in general as uninterested in and unwilling to work to assist customers. It is patently obvious that the customers are not valued.

I believe they pay poorly, and/or don't properly train their employees, who are mainly- save for the rare exception- lacking rudimentary customer service and communication skills. Trying to get an answer is akin to dealing with a government agency;you are sent to another after another person without receiving an answer. Inept, cumbersome and inefficient, with long phone waits.

The website is archaic, the verification system is Rube Goldberg, doubtless a low bid Bangalore lash up, and it's just all around the kind of bank everyone hates. Read the reviews here and check those on Yelp; abysmal! Learn from others unfortunate dealings and find yourselves a good bank; FNB is not only not a good bank, it's like a textbook example of how not to conduct business.



Health Grade Components

FDIC Certificate #7888
Year Established1864
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.03%
Annual Interest Income$427.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$30.56B$21.03B
LoansQ2 2017vs Q2 2016$20.39B$14.28B
DepositsQ2 2017vs Q2 2016$21.23B$15.69B
Equity CapitalQ2 2017vs Q2 2016$4.46B$2.51B
Loan Loss AllowanceQ2 2017vs Q2 2016$158.3MM$146.9MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$153.4MM$108.8MM
Real Estate OwnedQ2 2017vs Q2 2016$45.0MM$47.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Pennsylvania Savings Account Rates

0.10%*$1k*-Health Savings Account
OTHER TIERS: 0.05% Up to $1k
0.05%*$50k*-FirstRate Savings
OTHER TIERS: 0.01% Up to $50k

First National Bank of Pennsylvania Money Market Rates

0.20%*$1m*-FirstRate Money Market
OTHER TIERS: 0.04% Up to $25k | 0.05% $25k - $50k | 0.08% $50k - $1mm

First National Bank of Pennsylvania Checking Account Rates

0.08%*$100k*-Premierstyle Checking
OTHER TIERS: 0.01% $1k - $10k | 0.02% $10k - $25k | 0.05% $25k - $100k
0.01%$2,500-Lifestyle Checking

First National Bank of Pennsylvania CD Rates

2.45%$10k-10 Year CD Special
2.00%$5k-61 Month CD Special
1.85%$5k-19 Month CD Special
1.85%$5k-52 Month CD Special
1.65%$5k-25 Month CD Special
1.55%$5k-13 Month CD Special
1.30%$500-48 Month CD
1.30%$500-60 Month CD
1.00%$500-36 Month CD
0.55%$500-12 Month CD
0.50%$500-24 Month CD
0.45%$500-9 Month Flex CD
0.45%$500-18 Month CD
0.25%$500-6 Month CD
0.25%$100-12 Month Savers Goal CD
0.20%$500-3 Month CD

First National Bank of Pennsylvania IRA Rates

2.00%$5k-61 Month IRA Special
1.85%$5k-52 Month IRA Special
1.85%$5k-19 Month IRA Special
1.65%$5k-25 Month IRA Special
1.55%$5k-13 Month IRA Special
1.30%$500-48 Month IRA
1.30%$500-60 Month IRA
1.00%$500-36 Month IRA
0.55%$500-12 Month IRA
0.50%$500-24 Month IRA
0.45%$500-18 Month IRA
0.25%$500-6 Month IRA
0.20%$500-3 Month IRA