Frequently Asked Questions

During banking hours, please contact any The FNB Community Bank location or contact the main branch at (618) 283-1141. After banking hours, please contact 1 (844) 202-5333.

For information on what to do if you believe you're a victim of identity theft, visit our Identity Theft page.

You can stop by any of our The FNB Community Bank locations to set / change your debit card PIN number. If you are unable to stop by one of our locations, you can call and request a random PIN number to be sent by mail.

Enroll Today to start the online banking application!

If your account has been locked, please call The FNB Community Bank and speak with one of our Customer Service Representatives to enable your account.

• Online Banking: Under the Welcome Tab, select "Change Contact Info" to update your contact information. Online Banking Login is located at the top of this page.
• In Person: Call or stop by any of our The FNB Community Bank locations and one of our representatives will take note of the change.

There are two ways to sign up:

• You can sign up when you apply for online banking. Please select to Opt-In for e-statements during the setup process. Enroll Today!
• Online Banking: Under the Welcome Tab, select “Services & Settings” and then “View Statements”. On the right hand side of the screen, select Electronic Only Statement Delivery, review the agreement statement, and then select "Accept". You can now select whether to opt-in a single account or all of your accounts for e-statements.

• Online Banking: You can print your statements for free. When viewing online statements, select the desired statement and select print in the upper right-hand corner.
• In Person: You can call or stop by any of our The FNB Community Bank locations to request bank statements. Note: Special Statement Fee $2 per statement (additional $0.50 per page of images)

The documentation required for each loan differs depending on the loan program. Some programs require income, employment, and asset verification, etc. and others require minimal documentation. Your loan officer will provide you with a list of items needed.

Yes, there are loan programs that do not require a down payment. If you and / or the property you are purchasing meet certain credit, employment history, location and other determining factors, a zero-down payment loan may be an option for you. Contact one of our mortgage consultants to see if this is an option for you.

An escrow account is set up to collect your payments for property taxes, homeowners insurance and possibly other items, in equal amounts over a 12-month period, to be paid on your behalf when those bills come due.

The interest rate is the rate you agree to pay for your mortgage loan. It is used to determine the interest portion of your monthly payment. The annual percentage rate (APR) includes your interest rate and prepaid finance charges to give you an average yearly rate.

The FNB Community Bank Trust Department offers the Ella McKee Student Loan, an interest-free private foundation loan that assists full-time students from Fayette County with out-of-pocket expenses. For more information, please contact the Trust Department at (618) 283-9860.

The FNB Community Bank Trust Department offers many different scholarships. Please see the Student Loan / Scholarships page for the applications.

You may order a debit card by calling us at (618) 283-1141 or visiting any of our 7 locations. Our Customer Service Representatives would be happy to help you!

Yes, you may get a debit card for an employee. You may visit any of our 7 locations to complete a form to obtain a card for employees.

Yes, you can! You may increase your debit card daily limit by doing one of the following: call us at (618) 283-1141, visit any of our 7 locations, or on your online banking profile. It can be found under the “Manage Cards” tab on online banking.

You can monitor all transactions through online banking or our 24-hour phone banking (). On our online banking, you can set up alerts that notify you by text or email when your account has point-of-sale and/or ATM transactions.

A mobile wallet eliminates the need to carry around your physical cards with you. You can simply tap your phone at participating retailers to pay for your purchases.

Google Pay

Apple Pay

Yes. Please contact us by calling us at (618) 283-1141, visiting us at any of our 7 locations, or submitting a secure message on online banking. We will need to know where you plan to visit, the duration of your trip, and if you are flying or driving.

Please contact us at (618) 283-1141, visit us at any of our 7 locations, or submit a secure message on online banking. If it is a merchant error, please try to resolve it with them first.

You must meet the following requirements:

• You are covered under a High Deductible Health Plan.
• You cannot be claimed as a dependent on another person's tax return.

• A Health Savings Account can help you on taxes. Your HSA contributions go into your account BEFORE taxes and can help you lower your taxable income. As long as you cannot be claimed as a dependent on another person's tax return, you can deduct your HSA contributions (except those made by your employer). When the funds are used for medical, dental, and vision care expenses, they are not subject to income taxes. You should always consider talking with a competent tax advisor prior to opening a retirement account.
• Using a HSA is a great way to pay for bills like coinsurance, copays, and your deductible (all tax free). You can also use a HSA to pay for bills that insurance doesn’t cover, such as dentist and eye appointments.
• Unspent money in HSAs rollover, so your money is available for future health expenses.
• HSAs can take some of the stress out of unexpected health costs.

To open a HSA at The FNB Community Bank, you may visit one of our 7 locations and a Customer Service Representative would be happy to help you. You must have the following:

• Opening Funds: $1.00 to open the account.
• Your Information: Name, Address, Date of Birth, SSN, Job Title, and Current Marital Status.
• Primary Beneficiaries and Contingent Beneficiary Information: Name, Address, Date of Birth, SSN, Relationship, and Percent Allocated

HSAs, like our other checking accounts, can be issued checks and debit cards.

The Tax Relief and Health Care Act of 2006 provides the limit the customer may contribute to the plan each year. You may contribute up to $3,850.00 for individuals and $7,750.00 for families (as of 2023). If you are 55 or older, you may contribute an additional $1,000.00.

You may order a debit card by calling us at (618) 283-1141 or visiting any of our 7 locations. Our Customer Service Representatives would be happy to help you!

Yes, you can! You may increase your debit card daily limit by doing one of the following: call us at (618) 283-1141, visit any of our 7 locations, or on your online banking profile. It can be found under the "Manage Cards" tab on online banking.

You can monitor all transactions through online banking or on our 24-hour phone banking (1 (888) 283-8767.). On our online banking, you can set up alerts that notify you by text or email when your account has point-of-sale and/or ATM transactions.

A mobile wallet eliminates the need to carry around your physical cards with you. You can simply tap your phone at participating retailers to pay for your purchases.

Yes. Please contact us by calling us at (618) 283-1141, visit us at any of our 7 locations, or submit a secure message on online banking. We will need to know where you plan to visit, the duration of your trip, and if you are flying or driving.

Please contact us at (618) 283-1141, visit us at any of our 7 locations, or submit a secure message on online banking. If it is a merchant error, please try to resolve it with them first.