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EFFECTIVE 6/9/23
FNB CASH, CASH BACK UPDATED QUALIFICATION INFORMATION:
The following activities do not count toward earning account rewards: debit card transactions less than $5, ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

FNB Cash Checking:

*APY=Annual Percentage Yield. APYs accurate as of 02/10/2023. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $35,000 receive APY of 3.01%; and (3) balances over $35,000 earn 0.25% interest rate on portion of balance over $35,000. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle follows the current statement cycle which ends the second Thursday of each month and starts the next business day. Transfers between accounts do not count as qualifying transactions. Limit one FNB Rewards checking account per SSN.

FNB Cash Back Checking:

*Minimum to open is $100. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle follows the current statement cycle which ends the second Thursday of each month and starts the next business day.  Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one FNB Rewards checking account per SSN.

Youth Cash Back Checking:

*Minimum to open is $50. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $4.50 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle follows the current statement cycle which ends the second Thursday of each month and starts the next business day. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle. Transfers between accounts do not count as qualifying transactions. Checking account available for ages 0 to 21 years of age, the account will be changed to the FNB Cash Back checking account when the primary owner becomes of the age of 21. Limit one FNB Rewards checking account per SSN.