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Preferred Interest Checking

Think of it as interest for people on official business.

Preferred Interest Checking box

A specialized interest-earning checking account that is available exclusively for school districts, government entities and nonprofit authorities that are an extension of a political subdivision.

To Schedule an Appointment:

$200 MERCHANT SERVICES CREDIT

Card Payment

Streamline Your Business Finances
June 1 - Sept. 30, 2025

Learn More

    • Hand Holding Dollar Sign

      Earn interest on collected balances

    • Percent Sign in Circle

      Competitive interest rates

    • Dollar Sign Crossed Out in Circle

      No minimum account opening balance

    • 2 Arrows Pointing Opposite Direction

      Unlimited free monthly transactions1

  • Ready Access and Competitive Interest:

    Preferred Interest Checking is an interest bearing checking account that is available to political subdivisions and government entities as an investment vehicle.

    Key Account Details:

    • Earn interest on your daily collected balance.
    • Competitive interest rates
    • No minimum account opening balance
    • Unlimited free monthly transactions1

    Additional Benefits:

    • Access to F.N.B.'s Wealth Management Professionals for comprehensive investment strategies and long-term goal solutions3
    • A free consultation for commercial, personal and employee benefit insurance solutions3
    • Access to assistance for your business banking needs, including a dedicated call center and a Treasury Management Representative

    Benefits For Your Employees:

    • Workplace Banking, an exclusive package of discounted financial services for your employees at no cost to you

    Convenient Access to Cash:

    • Surcharge-free cash access at more than 1,600 FNB ATMs

    Convenient Online Access2:

    • Free paper and online statements with free check images
    • Make convenient deposits at FNB branches, ATMs or through the FNB Business Mobile app
    • Enjoy convenient access and robust capabilities with Business Online Banking, FNB Business Mobile app and Telephone Banking

  • Product Eligibility:

    • This account is only available to school districts and government entities, such as municipalities, boroughs and townships. Certain restrictions apply. Talk to a representative for more information.

    Your Initial Deposit:

    There is no minimum account opening balance for this account.

    Required Identification:

    Depending on your type of organization, we may need one or more of the following documents when opening your account. These may include:

    • Department of State printout of business registration/Government-issued business license
    • CPA-signed tax return

    Optional Items:

    • If you would like to order checks, you may do so during the application process.
    • If you request a debit card when you open your account, it will be mailed to you within 5-7 business days. If you need your card sooner, you can pick one up immediately at your local FNB branch.

  • Select your offer below and then add it to your cart to check out.

    1. man and woman looking at laptop
      Offer 1

      $200 FNB Merchant Services Credit

      Empower Your Business with Our Tailored Preferred Interest Checking Account Promotion!

      Our Preferred Interest Checking account promotion is designed to meet the unique financial management needs of school districts, government entities and nonprofit authorities, offering Business Online and Mobile Banking with a check scanner for just $35 per month. This promotion includes a $200 merchant services statement credit, providing additional value to help your organization manage funds more efficiently. Simplify your financial operations and focus on your mission with this specially tailored offer.

      *View DisclosuresPDF Document Icon

With any account, you also get the latest in digital technology:

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

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Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

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Notices & Disclosures
1 - Consult your local FNB branch for more information regarding the Business Fee Schedule. Fees subject to change.
2 - For the FNB Business Mobile Banking app data and carrier fees may apply.
3 - Investment products are sold by F.N.B. Investment Services; Insurance products are sold by First National Insurance Agency, LLC and its licensed agents.
Investment and Insurance products are: 
Not FDIC Insured No Bank Guarantee May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit

 

Subject to investment risks, including loss of principal amount invested. F.N.B. Investment Services and First National Insurance Agency are subsidiaries of F.N.B. Corporation.

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