First National Bank of Pennsylvania


Overview / Commentary
800-555-5455
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.

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Best Bank Ever!!!

Posted by: tonybest | Nov 15, 2018

This is the best bank ever!! Easy to do banking without a lot of hoops to jump thru, I bank at most local banks and some larger banks and first national wins hands down!!

Impressive Staff & Rates

So far, so good....Branch staff are very friendly, courteous, and knowledgeable. 1st National's CD rates are the highest in my local market and I am pleased to benefit from the increased income.However, in this 11/2019 update I find a concerning disconnect the local (NC) branch computer/telco communications has with their main office in PA.

Pros And Cons

Posted by: Jayhoff | Apr 22, 2019

I have been banking with this bank for a long time the pros for me are free checks atm fees refunded for up to 10 foreign atm transactions per month and the are 2 miles from home and have arms in a lot of stores


Cons
1. If you like to travel and go outside your state of residence you have to get permission to go it's called a travel notification I have been embarrassed by this bank and there procedures my wife and I decided to go somewhere and it was out of state and we stopped for dinner and when I tried to pay my card was declined and the waiter wasn't so nice and made it known that the card was declined and I had more than enough to cover my bill so you have to call.the bank and to me this is an invasion of privacy they want to know where your going where your stopping how long your going to be in that area what's the purpose of your travel ( on that I told them it's none of there f#$&ing business I am an adult I will go were I want ).

2. they never informed me that there was a monthly charge for paper statements almost 10 dollars a month it's in the paperwork but you need a magnifying glass to read it so to avoid being charged went with electronic statements no fee for that

3. They will move transactions around to overdraft your account this has happened to me I was hit with over 300 in overdraft fees in 1 weekend I made a cash deposit on Friday afternoon by Monday I was in the negative and I had to fight to get my fees back they try and make you seem like your stupid and dont know what your talking about a cash deposit is immediately available they told me it wasn't and I showed them there own policy had to get the branch manager then when I started to get loud they agreed and refunded my fees

4. The only reason I stay is the atm fees being refunded free checks and there online bill pay is the best part of the bank

At Your Own Risk

Posted by: Wilfredo | Sep 14, 2019

I have been banking with FNB for over 10 years. During my experience with this bank, my checking account has been hacked 3 times. The security issues are unsettling, to say the least. Recently, I experienced an "accounting error" which has devastated my personal finances. My checking account is set-up for a weekly automatic transfer of $200 to my flex-spend account. This weekly transfer is in order to provide funds for a monthly auto loan payment of $776, from the flex-spend account. I consider myself a conscientious, financially responsible person, and am diligent in monitoring my accounts via online banking. The status of these accounts are checked daily, especially considering FNB's track history of security issues regarding my account. All transactions and transfers show that the $200 was moved to the flex-spend account, as scheduled, for 3 consecutive weeks. Apparently, that was not the case. FNB transferred the $600 from my savings into the flex spend at once, leaving my savings account overdrawn nearly $600. I immediately visited the local branch and spoke with an account services representative. At this point, I have no cash on hand and a household to support. Imagine my frustration. It was explained to me that there was an "accounting error" and the funds were never transferred for the weekly $200 installments. FNB simply transferred funds in one lump amount of $600. I received no phone call or notification from FNB. Now, I'm being charged daily overdraft fees for their accounting error. I refuse to be the victim of FNB's shady business practices and flawed systems. I will fight this and plan to consult a lawyer.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #7888
Year Established1864
Employees4142
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD8.35%
Annual Interest Income$634.8MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$33.82B$32.07B
LoansQ2 2019vs Q2 2018$22.67B$21.38B
DepositsQ2 2019vs Q2 2018$24.01B$22.71B
Equity CapitalQ2 2019vs Q2 2018$4.86B$4.54B
Loan Loss AllowanceQ2 2019vs Q2 2018$187.3MM$169.4MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$103.2MM$120.2MM
Real Estate OwnedQ2 2019vs Q2 2018$32.0MM$38.8MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$5k$250k13 Month CD Special - New Money
2.00%$5k$250k19 Month CD Special - New Money
2.00%$5k$250k52 Month CD Special - New Money
2.00%$5k$250k61 Month CD Special - New Money
2.00%$5k$250kBusiness 13 Month CD Special - New Money
2.00%$5k$250kBusiness 19 Month CD Special - New Money
2.00%$5k$250kBusiness 52 Month CD Special - New Money
2.00%$5k$250kBusiness 61 Month CD Special - New Money
1.90%$5k$250k25 Month CD Special - New Money
1.90%$5k$250kBusiness 25 Month CD Special - New Money
1.80%$5k-35 Month CD Special
1.80%$5k-Business 35 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability

Harrisburg Area

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