First National Bank of Pennsylvania
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.01% | Checking | Lifestyle Checking |
| 2.45% | 6+ Year CD | 10 Year CD Special 1.69% - National Average |
| 1.30% | 5-year CD | 60 Month CD 2.35% - Synchrony Bank 60 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.
Related Posts
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.
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!
Great Bank!
I have been a customer of First National Bank for 5 years. I have a checking and savings account with them, I have always been very satisfied with the customer service. You get treated like a person and get very personal service. They treat you the same whether your account has the minimum or a lot of money in it. Any time I have had a problem they have been very cooperative and understanding and have tried to fix the problem. I recently had signed my daughter up for her first checking account she could get up to a $200 bonus depending on certain things she did. She did all of them and was not given the bonus. I called and they investigated and realized the person who set up account had used a wrong code. They had the money in the account the same day and she personally called to apologize to us for the delay. I would recommend this bank to anyone. They have convenient locations and I get free checking with direct deposit.
Not Family Friendly
My young daughter had a custodial savings account at a bank prior to FNB taking over the branch. In it she had $20 and did not have much activity with her account as she had been saving her money at home. This week, we went to deposit her money in her account only to find it closed. Apparently, it was assessed a $10 fee for inactivity, then another $10 fee for inactivity later, at which time it was closed as there was no more money left in it. Although the bank had my correct address I received no notification of any of the fees or of the account closure. The clerk at the bank said that this has happened to other people as well. My older children had accounts at this bank, prior to the takeover, that were inactive for long periods of time with no fees ever assessed. I’m sure many other children’s accounts remain inactive for long periods of time and assessing them a fee is poor customer service in my opinion. Be that as it may, I should’ve received some notification of the fees or closure. I’ve been very dissatisfied with FNB since it took over the branch and this just secures my negative opinion. Taking money from children whom you should be encouraging to learn to save and become future customers! . Removing the coin counters from their branches was also another poor decision as the children loved to use them. I will be closing my other children's accounts at FNB as well.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7888 |
| Year Established | 1864 |
| Employees | 4279 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.32% |
| Return on Equity - YTD | 2.35% |
| Annual Interest Income | $185.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $30.01B$20.13B |
| Loans | Q1 2017vs Q1 2016 | $19.95B$13.88B |
| Deposits | Q1 2017vs Q1 2016 | $21.50B$15.54B |
| Equity Capital | Q1 2017vs Q1 2016 | $4.43B$2.48B |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $153.5MM$140.2MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $145.8MM$105.5MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $49.5MM$49.8MM |
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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
| 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 - $1mm | |||||
| 0.20%* | $1m* | - | Business 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
| 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% | $2,500 | - | Lifestyle Checking | ||
First National Bank of Pennsylvania CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.45% | $10k | - | 10 Year CD Special | |
| 2.00% | $5k | - | 61 Month CD Special | |
| 1.85% | $5k | - | 52 Month CD Special | |
| 1.65% | $5k | - | 25 Month CD Special | |
| 1.55% | $5k | - | 19 Month CD Special | |
| 1.45% | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.45% | $5k | - | 61 Month IRA Special | |
| 1.85% | $5k | - | 52 Month IRA Special | |
| 1.65% | $5k | - | 25 Month IRA Special | |
| 1.55% | $5k | - | 19 Month IRA Special | |
| 1.45% | $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 |
First National Bank of Pennsylvania has 416 locations. Click to view all First National Bank of Pennsylvania locations.