Personal Product

FNB has a full range of personal deposit products to meet every customer's needs, whether it is a personal checking account or an interest bearing checking account. We have a full range of personal savings accounts to help in saving for a rainy day, Christmas or your retirement. Our Customer Service Representatives are eager to serve your personal deposit needs.

Checking Accounts

FNB offers many types of FDIC insured checking accounts designed to meet your individual and business needs.

Basic Checking

With "Basic Checking" you can write as many checks as you like, there are no per check fees. In addition there are no monthly maintenance fees. Minimum deposit of $50.00 to open.

NOW Account Checking

NOW Account Checking allows un-limited check writing privileges along with earning a tiered rate of interest. When you maintain the daily minimum balance of $1,000 or more, you'll earn a base rate of interest. You'll earn a bonus rate on daily minimum balances of $10,000 or more. And an even higher Premium Rate on daily minimum balances of $25,000 or more. There are no monthly fees if you maintain a minimum daily balance of $1000.

Money Market Accounts (MMA)

Money Market Accounts earn a higher rate than NOW Accounts but Federal Regulations limit the number of transactions drawn on the account to six per statement cycle.  The regulation also permits an unlimited "over the counter" withdrawals. A MMA lets you earn competitive interest rates, and there is no monthly maintenance fee if you maintain a daily minimum balance of $1,500 or more.

Savings Accounts

Statement Savings

FNB's basic Statement Savings Account allows you to set aside money to reach any savings goal you may have; such as saving for a college education, a house, or retirement.

Statement Savings allows you to earn a competitive rate of interest on your account. There is no monthly service charge if you maintain a minimum balance of $50. You will receive a quarterly statement, which allows you to follow the growth of your savings for that special goal.

Individual Retirement Arrangements

Don't leave your future to chance, open a FNB Individual Retirement Arrangements (IRA) today. IRAs are special-purpose savings plans created by the federal government to help you build funds specifically for your retirement. What makes these special is that the government allows you to defer paying taxes on the interest they earn until you withdraw it. This helps your money grow much faster than in a comparable, taxable investment. In addition, some IRA savers' contributions qualify as a tax deduction for federal income tax purposes.

Even if you don't qualify for a tax deductible contribution, you can still open a new IRA or contribute to an existing IRA. The compounded earnings will be tax deferred. Remember, you can open or make contributions to your IRA any time up until your tax due date, which is usually April 15.

If you currently have an IRA at another institution, you can move your Individual Retirement from one institution to another without a tax penalty. Just because you open your account at one institution doesn't mean you have to keep it there until retirement. FNB offers both fixed rate and floating rate IRAs and pays some of the highest IRA rates in the area. Come in and talk to one of our Customer Service Representatives about moving your IRA to high yielding FNB fixed rate or floating rate IRA.

If you recently changed jobs and received a distribution from a Pension or Profit Sharing plan, you may be able to roll it over into an IRA or an annuity and continue to defer the taxes.

Questions? Call us, we have a toll free line to Bankers Systems, the IRA experts, and we will be happy to check out any questions you may have.

Certificates of Deposit

Certificates of Deposit are one of the most widely held and accepted investments around. Certificates of Deposit, commonly known as a CD, pay you, the depositor, a fixed rate of interest on your deposit for a fixed period of time, the time period can be stated in days or months.

Loans

FNB Bank offers many types of loans that are designed to meet your individual and business needs.

Paula Tingler AVP & Loan Officer	Bob Kidwell AVP & Loan Officer	Dawn White AVP & Loan Officer

Installment Loans

Getting ready to purchase a new or used automobile, a boat, recreational vehicle, mobile home? Or to refurnish your home or take that special vacation?

If so, you'll want to find out more about our installment loans. Competitive rates are just part of the story. We'll help you match the term of the loan to your budget.

For added convenience, you may make your payments at any FNB office or we can charge your Checking, Savings or Money Market account directly.

FNB's Cash Line

An unsecured-revolving personal line of credit that is available to you when you need it. Once the line is in place, all you do is write a check when you need money. You can pay the amount back in payments or a lump sum, which makes the funds available to you again; whenever you need them, up to your maximum approved line. Just like a credit card -- Only Better!

Home Equity Line of Credit

By using the equity in your home, you may qualify for sizable "Personal Line of Credit". A personal line of credit that can be used for home improvements, major purchases, college tuition or even to start a new business. Whatever your needs may be, just write a check from your Home Equity Line of Credit Account. Your monthly payments are based on the amount of funds you use. Best of all, the interest you pay may be tax deductible. Check with your tax advisor to be sure.

Mortgage Loans

	Gabby Newcomer Residential Lending Manager

Choosing the right type of loan and payment schedule for your needs is very important. Everyone's circumstances are different. By choosing the right mortgage, you can save yourself thousands of dollars during your lifetime. For example, if you are looking at a retirement home, a short-term fixed rate loan may be best for you. If this is your first home (starter home) and you plan on moving up to a larger home in a few years, a balloon mortgage with a lower rate of interest and lower payment may be your best bet. Adjustable rate mortgages with annual adjustments and rate caps move up and down with the market and can be used to your advantage, if you are looking for a short term mortgage or you think rates are headed lower.

Above all, make sure you know the total cost before entering into a mortgage transaction: rate, points, application fees, appraisal fees, title fees (including title insurance), inspection fees (termite inspection and septic system inspection), etc. Also, make sure there are no hidden fees. You also want to know if your mortgage is going to be sold off to some out-of-state lender, which could create problems for you in the future.

Fixed Rate Mortgages

FNB offers fixed rate mortgages. Fixed rate means the rate of interest remains the same throughout the duration of the loan. Your payments stay the same, and there is no risk of an increase in the payment amount.

Adjustable Rate Mortgages

FNB offers a one year Adjustable Rate Mortgage (ARM) with terms to suit all needs and budgets. An Adjustable Rate Mortgage is a mortgage on which the rate is subject to adjustment once a year. ARM rates are usually tied to a widely published market rate of interest and cannot exceed a certain "Cap" previously agreed upon.

To request information or to assert an error regarding our servicing of your mortgage loan, contact us in writing to:

FNB Bank
ATTN:  Mortgage Loan Resolution
P. O. Box 1037
Romney, WV  26757
 

Please include your name, information to help us identity the mortgage loan account, and a statement of the information requested or error you believe has occurred  with respect to your mortgage loan. 

Other Products

FNB offers the following additional services:

Christmas Clubs

Cashier's Checks

Money Orders

Direct Deposit

Bank-By-Mail

Merchant Bank Card Services

Utility Payments Accepted

Insurance Services

FNB Banker - 24 hour telephone banker - Call (304) 822-8037

Debit Cards*

*For lost or stolen debit cards, please call (304) 822-8700 or (800) 482-8110 weekdays between the hours of 8:30 a.m. to 5:00 p.m. -- After hours, please call (844) 202-5333.