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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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

Posted by: Caprium | Apr 19, 2018

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

Posted by: jkrawiec80 | Nov 5, 2016

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

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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.

† 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

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
1.80%$5k$250k25 Month CD Special - New Money
1.80%$5k$250kBusiness 25 Month CD Special - New Money
1.75%$5k$250k19 Month CD Special - New Money
1.75%$5k$250k52 Month CD Special - New Money
1.75%$5k$250k61 Month CD Special - New Money
1.75%$5k$250kBusiness 19 Month CD Special - New Money
1.75%$5k$250kBusiness 52 Month CD Special - New Money
1.75%$5k$250kBusiness 61 Month CD Special - New Money
1.70%$5k$250k13 Month CD Special - New Money
1.70%$5k$250kBusiness 13 Month CD Special - New Money
1.60%$5k-35 Month CD Special
1.60%$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

Cleveland Area

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.