WHY ESTATEMENTS?
Not only are EStatements convenient and secure, but they will help reduce your paper clutter, and are delivered quicker than regular mail. It's easy as 1, 2, 3 to sign up for this service. Login to online banking, select the "User Services" tab, & select "E-Statements Only". So... what are you waiting for? Go GREEN and sign up for EStatements today!

MOBILE BANKING
It's here...fnbonthego.com! Set up is easy as 1-2-3! Initially you will just log in to your online banking access, select the "User Services" tab at the top, click on "Mobile Enrollment", & follow the simple steps for enrollment. Banking has never been easier for those on the go!

FIRST PLUS CHECKING
Our premium club account already had great benefits, but now is even more valuable! We realize that checkbook "accidents"  happen from time-to-time, and have lowered the overdraft fee (max. of 5 per day) & return item fee (max. of 5 per day) on this prime account to $19.99. Wow! This new benefit is in addition to all of the other great features this account has to offer. See a New Account representative for details, or call 903-342-5275.

VISA GIFT CARDS
Looking for the perfect gift? We now offer instant-issue Visa gift cards! The prepaid gift cards are ideal for shopping online, paying bills, or for in-store purchases; Great for student trips; Can be personalized for that extra touch! 

VISA PAYROLL CARDS
FNB is proud to offer Visa payroll cards. Please give us a call at 903-342-5275 for more information.

FDIC INSURANCE COVERAGE
The FDIC insurance has been permanently raised to $250,000 per depositor, per ownership category.
Please click here,https://www.fdic.gov/EDIE/calculator.html, to estimate your coverage under the FDIC guidelines.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTIONS ACCOUNTS
All funds in a "noninteresting-bearing transaction account" are insured in full by the FDIC from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov.