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On or after Tuesday, October 15, customers currently set up for FNCB Bank's Online Banking can log into Peoples Security Bank and Trust Company's online banking by visiting psbt.com from any device and clicking the "LOGIN" button.
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.
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.
The combined bank will operate under the Peoples Security Bank & Trust name (PSBT).
The systems of both banks will merge on Monday, October 14, 2024, moving accounts from FNCB Bank into Peoples Security Bank and Trust Company 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.
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:
All accounts currently maintained at the closing branch will be transferred automatically to the geographically compatible office. No action by you will be necessary.
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.
If you currently have a safe deposit box at one of the locations closing, your box will be moved to another PSBT branch, or you will have the option to open a box at a new location. A separate communication has been sent detailing your options.
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 Bank accounts will automatically be transitioned to Peoples Security Bank and Trust Company allowing you to bank conveniently online or at any branch of Peoples Security Bank and Trust Company or the former FNCB Bank.
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.
No. Your account number will stay the same unless we notify you otherwise.
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.
No. Any existing direct deposits or transfers set up at FNCB Bank should continue without interruption.
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.
FNCB statements will be rebranded to PSBT but will contain the same information you have had with FNCB Bank.
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.
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.
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.
FNCB - Please see page 28 of this guide for any changes to fees.
PSBT - Please see page 24 of this guide for any changes to fees.
FNCB - Please see page 7-12 of this guide for any changes to minimum balance requirements.
PSBT - Please see pages 8-13 of this guide for any changes to minimum balance requirements.
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:
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.
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.
Yes, you will be able to use your existing checks until notified otherwise.
Statements will be rebranded to PSBT but will contain the same information you have had with FNCB Bank.
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.
Our Cyber and Information Security Programs are designed to keep our customers information protected. We use guidance from the National Institute of Standards & Technology (NIST) and the Federal Financial Institutions Examination Council (FFIEC). Our cyber defense strategy includes continuous monitoring, integrated risk assessment, identification of vulnerabilities and human risk factors, and employee awareness. We also utilize several national and global third-party advisors to ensure the appropriateness of our security posture and are audited and examined annually by various third parties and Banking Regulatory examiners.
If you have an FNCB Bank Debit Card, you can continue to use your card without interruption.
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.
You will be able to manage your debit card using PSBT’s MyCardRules™.
No. You will need to use PSBT’s MyCardRules™ to receive alerts, and define when, where, and how your cards are used.
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.
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.
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.
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.
Yes, but we recommend that you review your scheduled internal transfers to ensure they were captured correctly in the conversion.
They will be converted; however, we recommend that you review user access levels to ensure they were captured correctly in the conversion.
Yes, you will need to set up recurring external transfers.
Yes, you will need to re-add any external bank accounts.
When you access the Mobile Deposit feature your daily limit will be displayed on the screen.
Yes. You will still be able to quickly send and receive money using Zelle®.
No. Past Zelle® activity will not transfer over.
Yes. Please call 1.888.868.3858 and select option 1.
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.
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.
Yes, but we recommend that you review user access levels to ensure they were captured correctly in the conversion.
Yes, you will continue to use your current scanner.
Yes, you will need to install a new program for remote deposits. Information will be sent separately regarding this.
Yes, remote deposit users will remain intact.
Yes, same day ACH will still be available.
There will be no changes to ACH and wire limits.
Yes, after conversion there will be daily remote deposit limits. Information will be sent separately regarding this.
Yes, but we recommend that you review templates to ensure they were captured correctly in the conversion.
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.
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.
After conversion, Positive Pay items will need to be decisioned by noon each day.
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.
Yes, these will need to be set up again. You can set them up by clicking on Settings then Alerts.
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