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FNB Bank Review

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FNB Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


FNB Bank started in 1875 with its headquarters in Mayfield, Kentucky. FNB Bank has assets of $488 million and $388 million in deposits, classifying it as a medium-size bank. FNB Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Overall, FNB Bank is a great bank that you should seriously consider, with a score of 4.4 stars out of 5 from our experts. FNB Bank offers a full selection of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. FNB Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's most basic checking does not carry a monthly maintenance charge. Banks that offer no-fee checking, in addition to a high savings APY are the best option for returning the highest income from your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

FNB Bank features a savings rate of 0.25%, which is fair in comparison to the national average. Its one-year CD has a rate of 0.50% and the five-year CD earns at a rate of 1.30%. Given its noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How FNB Bank's Savings Rates Compare

FNB Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

FNB Bank charges customers extremely low fees in comparison to the national average. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. FNB Bank reimburses their out-of-network ATM charges, which gives handy access to cash at any time.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

FNB Bank is a brick-and-mortar bank, with eight total bank locations in Kentucky. It also offers access to mobile and web apps for simple access and banking on the go. It does not have all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 6:00 p.m. CT; Saturday, and 9:00 a.m. to 12:00 p.m. CT. FNB Bank receives high marks from customers for its mobile banking services. The FNB Bank mobile app has been given a 4.5 out of 5 (out of 490 ratings on Apple and Android) compared to the national average of 3.8. You can use FNB Bank's mobile app to control your finances by checking monthly statements, sending and receiving money and accessing support representatives. FNB Bank receives an exceptional consumer satisfaction score due to relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

FNB Bank is currently a medium-size bank and has $488 million in assets and deposits totaling $388 million. FNB Bank has an excellent Texas Ratio of 1.16%, indicating that FNB Bank is in terrific financial well-being and far from failure. Additionally, FNB Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare FNB Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $1
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 0.70% APY
  • 36 Month: 0.95% APY
  • 48 Month: 1.10% APY
  • 60 Month: 1.30% APY
$1000 for all terms

FNB Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. FNB Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. FNB Bank's CD rates are fair compared to the national average.

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Find a FNB Bank Near Me

FNB Bank has eight locations across the U.S.

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