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Online Banking Access for FNCB Customers now available

Customers currently set up for FNCB Bank's Online Banking can now log into Peoples Security Bank and Trust Company's online banking by visiting psbt.com from any device and clicking the "LOGIN" button. 

  1. In most cases, your "Login ID" will remain the same as your FNCB "Username". However, if you happen to have a duplicate login for both banks, you will receive an email with detailed instructions on how to access each account until they are merged into a single login.
  2. Upon first login, your password will be your current FNCB online banking password. You will be prompted to reset this password after the first login.
  3. Customers who were not already enrolled in online banking before Tuesday, October 15, may register for PSBT's online banking on or after Tuesday, October 15, using our mobile app or by visiting psbt.com, then clicking on "Enroll Now". Simply complete and submit the online banking application, and then wait to receive further instructions to log into PSBT's online banking. 

Frequently Asked Questions

We are excited to announce that on July 1, 2024, the merger between FNCB Bank and Peoples Security Bank & Trust was successfully completed. The merger brings together our strengths, resources, expertise, and people, enabling us to better serve our entire community with enhanced access to a broader range of products and services, all delivered with increased efficiency, convenience, and innovation.

As we move forward, the next phase of our merger involves integrating our operating systems, which is scheduled to take place over the weekend of October 12-14, 2024. During this period, we will also initiate the rebranding of FNCB Bank branches to Peoples Security Bank & Trust.

We invite you to review the Frequently Asked Questions (FAQ) below for more information. These will be regularly updated throughout the process, so please check back frequently.

FNCB Customer Guide PSBT Customer Guide

Thank you for your continued support and partnership as we work towards a seamless transition and better banking together.

Why are the two banks merging?

Peoples Security Bank & Trust (PSBT) and FNCB Bank (FNCB) are both highly respected institutions with rich histories and experienced bankers. The geographic footprints of both banks are well aligned, which will allow the combined Bank to deepen its presence in Northeastern Pennsylvania and beyond. The combined, larger bank will benefit our shareholders, customers, and the community with an enhanced suite of banking products, services, and technology. 

What will the bank name be?

The combined bank will operate under the Peoples Security Bank & Trust name (PSBT).

When will the system integration take place?

The systems of both banks will merge on October 14, 2024, moving accounts from FNCB Bank into Peoples Security Bank and Trust Company’s systems. Following this date, you will have the convenience of banking at the expanded Peoples Security Bank and Trust Company branch network. For a complete listing of our combined offices, visit psbt.com/locations

Is my branch closing?

To enhance our service to both personal and business clients efficiently and due to the proximity of certain locations, the decision has been made to consolidate the following offices:

  • FNCB Biden St Scranton consolidating into PSBT Central City Scranton, 150 N Washington Ave, Scranton 
  • FNCB Clarks Green consolidating into PSBT Abington, 1100 Northern Blvd, S Abington Twp 
  • FNCB Keyser consolidating into PSBT Green Ridge, 1901 Sanderson Ave, Scranton
  • FNCB Kingston consolidating into PSBT Kingston, 435 Wyoming Ave, Kingston 
  • PSBT East Scranton consolidating into FNCB Dunmore, 100 S Blakely St, Dunmore 
  • PSBT Moscow consolidating into FNCB Daleville, Routes 502 & 435, Covington Twp (new construction coming in 2025!)

All accounts currently maintained at the closing branch will be transferred automatically to the geographically compatible office. No action by you will be necessary.

Will I keep my same banker?

Bankers from both companies will be part of the combined team. Our relationship-based approach will continue to provide the same level of service you expect from us today.

What if I have a Safe Deposit Box at an office that is closing?

If you currently have a safe deposit box at one of the locations closing, your box will be moved to the consolidated branch, or you will have the option to open a box at a new location. A separate communication has been sent detailing your options.

When will I be notified of any changes to products or services?

A comprehensive Welcome Guide will be mailed to customers approximately September 1, 2024 detailing all changes and enhancements.

To view an electronic version of this guide:

FNCB Customer Account Access

What will happen to my account(s)?

FNCB Bank accounts will automatically be moved over to Peoples Security Bank allowing you to bank conveniently at any of our 39 combined locations.

Did the routing number change?

FNCB - Yes, but you may continue to use FNCB Bank’s routing number on existing checks. When it’s time to reorder, please use the PSBT routing number 031311807. Also, use the Peoples Security Bank and Trust Company routing number, 031311807, after October 14 for wire transfers and any electronic payments.

While we encourage customers to begin using Peoples Security Bank & Trust’s routing number after October 14, the FNCB Bank routing number will remain active for an extended period. This ensures that scheduled electronic deposits and payments continue to process without interruption. The system automatically sends courtesy notices to third-party vendors, notifying them of the routing number change from FNCB Bank to Peoples Security Bank & Trust. Some vendors may directly notify you, requesting that you update your records with the new routing number to ensure the continuation of automatic payments. If you receive a notification, we recommend updating your payment information accordingly. Otherwise, the FNCB routing number will continue to function indefinitely.

PSBT - No. The PSBT routing number will remain 031311807.

Is my account number changing?

No. Your account number will stay the same unless we notify you otherwise.

Do I need to order new checks?

No. Continue to use your existing checks for both checking accounts and home equity lines of credit until notified otherwise. When you order new checks, please use the Peoples Security Bank and Trust Company routing number 031311807. If you need assistance, call 1.888.868.3858 or visit your branch. 

Do I have to set up my direct deposit(s) again after my accounts have transitioned?

No. Any existing direct deposits or transfers set up at FNCB Bank should continue without interruption. 

If I have deposits at both PSBT and FNCB, how will my FDIC Insurance be affected?

When two or more insured banks merge, deposits continue to be insured separately for six months after the merger. This grace period allows a depositor to restructure his or her accounts, if necessary. After six months, your former FNCB Bank deposits and Peoples Security Bank and Trust Company deposits will be combined to determine your appropriate level of FDIC deposit insurance coverage. CDARS® & ICS® are also available for any eligible accounts that exceed the $250,000 FDIC limit. Ask a banker for details. 

Will my FNCB monthly statements change?

FNCB statements will be rebranded to PSBT but will contain the same information you have had with FNCB Bank.

What do I do if I need a copy of an FNCB statement from last year?

We recommend you log into your FNCB Online Banking before 3:00 PM on Friday, October 11, 2024 and download your previous statements. Beginning Tuesday, October 15, 2024, you may also visit any of our convenient branches for assistance. 

When will I receive statements for my accounts?

All FNCB customers will be issued a one-time statement as of Friday, October 11. This final statement will be for informational purposes only and will not affect cutoff times. Future statements will be available on approximately the same schedule you had with FNCB Bank unless we notify you otherwise.

What if I have E-Statements?

You will need to re-enroll in E-Statements through PSBT Online Banking. TO ENROLL: Log into your Online Banking account and select Statement Delivery from the Settings Menu Option. Follow the steps outlined on the screen, choose the account(s) you’d like to have Electronic Statements then select “I Accept”.  If you do not re-enroll, a $2 paper statement fee will be charged per statement cycle. Accounts enrolled to receive electronic statements only will not incur a statement fee.

Will my account fees change?

FNCBPlease see page 28 of this guide for any changes to fees.

PSBTPlease see page 24 of this guide for any changes to fees.

Will my minimum balance requirements change?

FNCBPlease see page 7-12 of this guide for any changes to minimum balance requirements.

PSBTPlease see pages 8-13 of this guide for any changes to minimum balance requirements.

I have a CD at FNCB that will not mature until after the merger; what will happen to it?

The current rate and term of your certificate of deposit (CD) will remain the same through maturity. CDs offer a ten (10) calendar day grace period after the maturity date, if you would like to make changes to your CD prior to automatic renewal, for the terms set forth in accordance with the original account disclosures. You will receive a maturity notice prior to the maturity of the CD. Accounts set up for automatic renewal will be renewed at similar terms and a rate in effect at the time of renewal in accordance with the original account disclosures.
 CD Penalties will change upon renewal to the following:

  • If your CD term is:
    • Under 6 months...............1 month’s interest penalty
    • Between 6–11 months.....6 month’s interest penalty
    • Between 12–35 months...12 month’s interest penalty
    • 36 months or greater........18 month’s interest penalty

Will the merger affect my existing loan?

No, all terms and conditions of your loan (personal, home equity, home equity line of credit, mortgage and business) will remain in effect including payment amount, interest rate, and due date.

Will there be any changes to how or where I make my loan payments?

If you have previously elected to auto-draft your payments, there will be no change. For your convenience, you can also make payments at any PSBT bank location, via mail at: 100 S. Blakely St., Dunmore, PA 18512 or the payment portal at psbt.com for one-time or recurring payments. Mortgage & Home Equity term loan customers should refer to the notice of servicing transfer on page 43 of this guide

Can I use my line of credit checks?

Yes, you will be able to use your existing checks until notified otherwise.

Will my line of credit bill look different?

Statements will be rebranded to PSBT but will contain the same information you have had with FNCB Bank. 

Will there be any impact to 1st Investment Services Accounts?

No. Although 1st Investment Services will be renamed Peoples Security Wealth Advisors, your representatives will stay the same and your accounts will continue to be managed through LPL Financial. 

What does the bank do to protect my personal and account information?

We use sophisticated technology and monitoring techniques, intricate firewalls, and other methods of securing customer data. 

FNCB Debit & ATM Cards

Can I continue to use my current FNCB debit card(s)?

If you have an FNCB Bank Debit Card, you can continue to use your card without interruption. 

Are there fee-free ATMs?

Yes. You may use your FNCB Bank or PSBT debit card at Peoples Security Bank and Trust Company branded ATMs or one of the 55,000 Worldwide ATMs that are part of the Allpoint Network. Visit psbt.com/locations or allpointnetwork.com for a complete list of available ATMs. 

What options will I have to manage my debit card online?

You will be able to manage your debit card using PSBT’s MyCardRules™. 

Will my alerts in CardManager still work?

No. You will need to use PSBT’s MyCardRules™ to receive alerts, and define when, where, and how your cards are used. 

FNCB Online & Mobile Banking

If I already have access to Online Banking at FNCB, do I need to enroll again at PSBT?

No, you would not need to enroll again at PSBT. You will continue to have online access through the PSBT online banking portal at psbt.com or by downloading the PSBT Mobile App. Please see page 16 of this guide for details.

What if I don't have Online Banking?

Consumers can enroll by visiting psbt.com then click ‘Enroll Now’ within the white login box on the home page or download the PSBT Mobile App. See page 16 of this guide for more detailed information. Business customers can contact their local branch to enroll in Online Banking.

Where can I get the PSBT Mobile App?

You can search for “PSBT Mobile” and download the App from the Apple App Store® or Google Play Store™. See page 16 of this guide for details.

I am currently enrolled in Bill Pay. Will this be affected?

If already set up in FNCB Bank Online Bill Pay, most of your established payees and payments will automatically transfer to PSBT Online Bill Pay. We suggest that you download/print your Bill Pay history, payees and recurring payments from your FNCB Bank Online Banking system before 5:00 PM, Wednesday, October 9, 2024. We also recommend that you review all of your established payees and payments once you log on to your PSBT Online Banking.

Will my alerts/notifications and scheduled internal transfers remain intact?

Yes, but we recommend that you review your scheduled internal transfers to ensure they were captured correctly in the conversion.

What happens to my Sub-Users?

They will be converted; however, we recommend that you review user access levels to ensure they were captured correctly in the conversion.

Will my recurring external transfers need to be set up again?

Yes, you will need to set up recurring external transfers.

Will I need to re-add the accounts I have set up for external transfers?

Yes, you will need to re-add any external bank accounts.

What are my mobile check dollar limits?

When you access the Mobile Deposit feature your daily limit will be displayed on the screen.

Can I still use Zelle®?

Yes. FNCB customers will still be able to quickly send and receive money using Zelle®. 

Will I be able to view my past Zelle® activity?

No. Past Zelle® activity will not transfer over.

Can I access my account by phone?

Yes. Please call 1.888.868.3858 and select option 1. 

Will I be able to see my FNCB Bank transaction history?

Yes, you will be able to view your transaction history in PSBT Online Banking. However, we recommend you log into your FNCB Online Banking before 3:00 PM on Friday, October 11, 2024 and download your previous statements.

If I have questions about my account, who do I contact?

We will be happy to assist with any questions you may have. We are available by calling 1.888.868.3858, via chat at psbt.com or in person at one of our branch locations.

Business & Treasury Services

Will my users and their permissions remain the same in my PSBT Online Banking?

Yes, but we recommend that you review user access levels to ensure they were captured correctly in the conversion.

Will I be able to continue using my current scanner?

Yes, you will continue to use your current scanner.

Will I need to install a new remote deposit program?

Yes, you will need to install a new program for remote deposits. Information will be sent separately regarding this.

Will my remote deposit users remain intact?

Yes, remote deposit users will remain intact.

Will same day ACH still be available for me to utilize?

Yes, same day ACH will still be available.

Will my ACH and wire limits remain the same?

There will be no changes to ACH and wire limits.

Will I have daily limits for Remote Deposit Capture (RDC)?

 

Will my ACH and wire templates remain intact?

Yes, but we recommend that you review templates to ensure they were captured correctly in the conversion.

Will the cutoff times for ACH and wire submissions remain the same?

ACH cutoff time will remain the same at 4PM. Domestic wire cutoff time will remain the same at 3PM. International wire cutoff time will now be 1PM.

Will I still be able to export my transactions into my Financial Management Tool (i.e. Quicken®/QuickBooks® etc.)?

Yes, you can still export your transactions from your PSBT online banking manually. You can now also establish a direct link to Peoples Security Bank and Trust Company through your Quicken® or QuickBooks® software.

Will Positive Pay cutoff times be changing?

After conversion, Positive Pay items will need to be decisioned by noon each day.

Will I need a new Security Token for approving ACH/wires?

If you are currently using the VIP soft token app or a hard token, you will not need a new one.  If you are using the desktop version, you will need to download the app or be given a hard token.

Will my alerts/notifications need to be set up again?

Yes, these will need to be set up again.  You can set them up by clicking on Settings then Alerts.

Will my scheduled internal transfers remain intact?

Yes, but we recommend that you review your scheduled internal transfers to ensure they were captured correctly in the conversion.

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