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FNB Bank Review

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FNB Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


FNB Bank first started operating in 1907 with its headquarters in Scottsboro, Alabama. It manages $518 million in assets as well as deposits totaling $456 million, ranking 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 conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. With an average 3.9 stars out of 5, FNB Bank is a good bank that deserves your consideration. FNB Bank has the full selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. Locating an institution with no-fee checking, in addition to a high savings APY is your best option for getting the highest income on your deposits while maintaining easy 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 0.20%, which is fair in comparison to the national average. Its one-year and five-year term lengths CDs earn at a rate of 0.45% and 1.41%, respectively, while its highest-yielding money market account has a rate of 0.15%. Given FNB Bank's below average savings rate, you should consider looking elsewhere to open savings accounts.

How FNB Bank's Savings Rates Compare

FNB Bank Savings 0.20 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

There is insufficient data on FNB Bank's fees to provide a full SmartAsset rating.

Monthly Fee N/A 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 13 total branches in Alabama and Tennessee. It also offers access to mobile and web apps for simple access and banking on the go. FNB Bank gets moderately positive feedback from customers for its mobile banking services. The FNB Bank mobile app has an overall rating of 4.2 out of 5 (out of 110 customer reviews on iOS and Android) compared to the national average of 3.8. You can use FNB Bank's mobile app to manage your finances by monitoring monthly statements, sending and receiving money and reaching customer service. FNB Bank receives an outstanding consumer satisfaction rating based on comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.2/5
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 a medium-size bank with $518 million in assets and deposits totaling $456 million. Its Texas Ratio is 11.31%, denoting a tiny possibility of 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

High Risk 75% 50% 20% 10% Low Risk

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 0.2% APY $2500
Checking Account 0.08% APY $2500
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.65% APY
  • 60 Month: 1.41% APY
$1000 for all terms
Money Market Account 0.15% APY $10000

FNB Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you 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 in comparison to the average U.S. bank.

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Find a FNB Bank Near Me

FNB Bank has 13 physical branches across the U.S.

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