First National Bank of Pennsylvania
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.01% | Checking | Lifestyle Checking 0.90% - nbkc bank Personal Account |
| 1.30% | 5-year CD | 60 Month CD |
| 0.25% | 1-year CD | 12 Month Savers Goal CD 2.45% - Synchrony Bank 12 Month CD |
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.
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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.
A good local bank
I dealt with FNB of PA for several years when I moved to PA and they didnt have my previous bank in the state. They were fair and friendly to deal with, always listened to my requests and were great at coming up with solutions to my financial issues. I would use them again i I ever move back to PA
FEES FEES & more Fees
I just recently had to switch banks due to my bank being bought out by another bank. I had banked with a bank called Metro bank and absolutely had a wonderful experience... until Feb 2016. Metro Bank (in PA) was bought out by FNB (First Nation Bank). The experience was horrible from day one with FNB. First during the transition, I had no access to my money because their system went down for almost 4 days and the weekend. Then two bills that I had paid prior to the switch and even saw pending before the switch, all of a sudden didn't get paid. So I hurried and paid them when I saw the amount credited back to my account. Then apprx 9 days later, FNB does a manual debit to pay the bills, so it resulted in them being paid twice and my account went negative and the fees started. First my over draft kicked in and what little i had in savings (all but $7 of the neg amount) transferred over to offset the checking. But I am still $7 neg in it. And since now there is no money in the savings a fees is assessed. And because of the fee, the savings becomes negative and every 3 days I am charge a $12 fee. Then I the checking I am charged over draft fees for two bills. By the time it was over with, I had over $276 in fees and still counting. Never again will I go with FNB or ever recommend them. NEVER!
Unethical
I became an FNB client because my nice community bank merged with FNB. From day one there were problems. But most troublesome - The fees FNB charges are outrageous and how they apply their fees is, if not illegal, certainly unethical. I worked in the Community Banking Industry for many years and I NEVER saw any bank doing what FNB of PA is doing. My electronic deposit was sent on Friday, 7th of the month at 4:00 AM. Any bank worth its salt should be able to process an electronic deposit the same day from another well-known financial institution. NOT FNB of PA. They choose not to receive it until the 10th of the month. On the 8th of the month I was charged an overdraft fee because FNB, who could process overdraft fees on a weekend, could not reconcile that the deposit was made the day before.
In addition, their website and online banking are problematic. So while their staff maybe very helpful, that fact that you have to call or go into a branch to get matters corrected is totally unacceptable.
I am changing banks, which is a huge pain in the neck to do for someone who does most of their banking electronically, but will NOT continue treated in such an unprofessional manner. And, I plan to tell everyone I can, not to bank with this institution.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7888 |
| Year Established | 1864 |
| Employees | 4284 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.12% |
| Return on Equity - YTD | 7.84% |
| Annual Interest Income | $556.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $32.07B$30.56B |
| Loans | Q2 2018vs Q2 2017 | $21.38B$20.39B |
| Deposits | Q2 2018vs Q2 2017 | $22.71B$21.23B |
| Equity Capital | Q2 2018vs Q2 2017 | $4.54B$4.46B |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $169.4MM$158.3MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $120.2MM$153.4MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $38.8MM$45.0MM |
Always verify rates and promotions with the bank or credit union. We are not First National Bank of Pennsylvania; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%* | $1m* | - | FirstRate Money Market | ||
| OTHER TIERS: 0.04% → Up to $25k | 0.05% → $25k - $50k | 0.08% → $50k - $1m | |||||
First National Bank of Pennsylvania Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.08%* | $100k* | - | Premierstyle Checking | ||
| OTHER TIERS: 0.01% → $1k - $10k | 0.02% → $10k - $25k | 0.05% → $25k - $100k | |||||
| 0.01% | $2.5k | - | Lifestyle Checking | ||
First National Bank of Pennsylvania CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | $250k | 52 Month CD Special - New Money | |
| 3.00% | $500 | $250k | 61 Month CD Special - New Money | |
| 2.75% | $5k | $250k | 25 Month CD Special - New Money | |
| 2.65% | $5k | $250k | 19 Month CD Special - New Money | |
| 2.55% | $10k | $250k | 10 Year CD Special - New Money | |
| 2.25% | $500 | $250k | 13 Month CD Special - New Money | |
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | $250k | 61 Month IRA Special - New Money | |
| 3.00% | $500 | $250k | 52 Month IRA Special - New Money | |
| 2.75% | $5k | $250k | 25 Month IRA Special - New Money | |
| 2.65% | $5k | $250k | 19 Month IRA Special - New Money | |
| 2.25% | $500 | $250k | 13 Month IRA Special - New Money | |
| 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 |
