January 28, 2012
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

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Bank News:

Shine a light on Totally Free Checking from FNB!
You will receive the Sentry brand flashlight set when you open a Totally Free Checking account at FNB. This rugged set of 3 water resistant flashlights includes the batteries. Each of our checking plans include Online Banking, Mobile Banking, and more. If you’re ready to make the switch then come in to FNB where friendly service is included! Contact us or come in soon.
Bank without boundaries - FirstMobile goes with you!
Out of town?-Not a problem! After banking hours?-Doesn’t matter. FirstMobile goes where you go: on vacation, to the big game, wherever. FirstMobile is the mobile banking solution from FNB that lets you bank anytime, anywhere, right from your mobile device (cell phone, iphone, blackberry, smartphone). It’s is easy to use and there is no bank fee for this service. Check your balance, transfer funds between accounts, pay bills, view transactions and more. Click the link in the left hand column of this page to learn how to activate this convenient service right now.
Earn Your Keep and Keep Your Earnings
Assured Earnings - FDIC Insurance – Peace of Mind: These are just 3 benefits that a Certificate of Deposit or High Yield Checking account from FNB can provide. What more could you want from an investment? Stop by any branch and begin your path to financial independence.
DEBIT DECISION: You decide.
In the unfortunate event that an everyday debit and/or ATM card transaction you make, cause an overdraft(s) on your checking account, we will follow your decision. If you have not yet responded or if you want to change your decision you may do so now. Click here to complete the online form to select the overdraft option you prefer. It will require up to 2 business days to process your request. Not all accounts will qualify for this service. If you have questions about how this new law might affect you please come in to any branch and speak to a teller or CSR or call us. Thank you for checking with FNB!
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "non-interest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from the coverage of at least $250,000 available to depositors under FDIC's general deposit insurance rules. The term "non-interest-bearing transaction account" includes traditional checking account or demand deposit accounts on which the depository institution pays no interest. It does not include other accounts such as tradional checking or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts and Interest on Lawyers Trust Accounts ("IOLTAs"). For more informaion about temporary FDIC insurance coverage of transaction accounts visit, www.fdic.gov.