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!
Horrible ! Horrible! Horrible!
I used to work for a bank for years and I have decent knowledge of how bank accounts work in regards to processing charges and fees but this bank has very different policies and procedures. I was charged an overdraft fee when I didn’t have a negative balance on any transactions that posted. The overdraft fee however overdrew my account and they gave me some ridiculous explanation that a processing charge the day before that fell off the account NEVER POSTED probably because it was a merchant error but I can’t see proof of this because apparently only they can see the mysterious charge they speak of so pretty much even though I only authorized charges that there was enough money to cover and when the transactions posted I had a positive balance and the only reason it went negative was because of the fee they don’t see an issue and told me they wouldn’t return it. Then I had an unauthorized charge that overdrew my account and caused two fees. I contacted the merchant who returned the charge but the bank didn’t even offer to replace my card and refused to return the fees. They also hung up on me when I wouldn’t accept something so ridiculous! So I’m going to bank with a financial institution that doesn’t steal my money and then treat me like crap for daring to question them
Data as of Q2 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7888 |
| Year Established | 1864 |
| Employees | 4142 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 8.35% |
| Annual Interest Income | $634.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $33.82B$32.07B |
| Loans | Q2 2019vs Q2 2018 | $22.67B$21.38B |
| Deposits | Q2 2019vs Q2 2018 | $24.01B$22.71B |
| Equity Capital | Q2 2019vs Q2 2018 | $4.86B$4.54B |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $187.3MM$169.4MM |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $103.2MM$120.2MM |
| Real Estate Owned | Q2 2019vs Q2 2018 | $32.0MM$38.8MM |
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.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.
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 | ||
