Welcome To Our New Website!
Welcome To Our New Website!
FNBA’s FAQ hub covers everything from opening a checking account to applying for a business loan. Browse by product category below, or use the search bar to find your answer fast. If you still have questions, a South Jersey banker is just a phone call away.
Opening, fees, debit cards, and everyday account management.
Opening a personal checking account at FNBA is simple. Stop by any FNBA branch. A banker will explain your account options and get you set up the same day. Please bring two forms of a valid government-issued ID, your Social Security number, and an opening deposit.
FNBA personal checking accounts are designed to keep banking straightforward. Account fee structures vary by account type; speak with a branch banker to confirm the current fee schedule for the account that best fits your needs. There are no surprise fees, and your banker will clearly explain any applicable fees before you open your account.
Minimum balance requirements vary by account type. Some FNBA personal checking accounts have no minimum ongoing balance requirement, while others may require a minimum to avoid a monthly service fee. A branch banker can match you with the account that fits your financial habits and confirm any applicable minimums at the time you open your account.
FNBA offers account protection (subject to a $10 fee) to help you avoid declined transactions and returned-payment fees. Speak with a banker at your nearest FNBA branch for full details to signup for account protection.
Yes. Every FNBA personal checking account includes a free Mastercard® debit card for everyday purchases, ATM withdrawals, and online transactions. Your card can be managed through the Card Suite Lite mobile app, which lets you lock your card, set spending limits, and receive real-time alerts. If your card is ever lost or stolen, call 1-800-500-1044 (available 24 hours a day) to report it immediately. You can also call 609-641-6300 during regular business hours.
Savings accounts, money market, Christmas Club, and access limits.
FNBA offers several personal savings options for South Jersey residents, including a standard savings account, a Money Market account for higher balances, and a Christmas Club account for goal-based holiday saving.
Minimum opening deposit requirements vary by savings product. FNBA’s savings accounts are designed to be accessible to South Jersey residents at all stages of life. A branch banker can provide current minimums and help you compare accounts side by side. Please visit a branch or call 609-641-6300 to get started.
FNBA savings accounts earn a competitive Annual Percentage Yield (APY) on every dollar you deposit. Current rates vary by product and balance tier. Please visit any FNBA branch, call 609-641-6300, or refer to the Interest Rates page at fnbabsecon.com/rates/ for current APY information. Rates are subject to change at any time.
A Christmas Club account is a short-term, goal-based savings account that helps you set aside money throughout the year for holiday spending. You make regular deposits deducted from one of your other FNBA accounts during the year, and the funds are distributed to you in the fall, just in time for the holiday season. It is a simple, disciplined way to avoid post-holiday debt. Ask a branch banker for current deposit requirements and distribution dates.
Terms, rates, early withdrawal, maturity, and retirement accounts.
FNBA Certificates of Deposit are available in a wide range of terms, from 30 days to 84 months, giving you the flexibility to match your investment horizon. Interest compounds quarterly and is credited to your account. Longer terms generally offer higher rates. Visit any FNBA branch or call 609-641-6300 to view current rates and choose the term that fits your savings timeline.
FNBA CDs require a minimum opening deposit to earn the stated A P Y. The exact minimum varies by term and current rate promotion. A branch banker can confirm the current minimum for the term you are interested in and walk you through the simple opening process. Please visit a branch or call 609-641-6300 for information.
When your FNBA CD matures, you have a grace period to decide your next step: renew at the current rate, change the term, add funds, or withdraw without penalty. FNBA will notify you before maturity so you are not caught off guard. If you take no action during the grace period, the CD will automatically renew for the agreed upon term at the then-current interest rate.
Yes. Early withdrawal from an FNBA CD is subject to an early-withdrawal penalty, which varies based on the term of your certificate. The penalty is calculated as a portion of the interest accrued. FNBA will disclose the full penalty schedule when you open your CD. If you anticipate needing access to funds before the maturity date, a savings or money market account may be more suitable for your needs.
Yes. FNBA offers Individual Retirement Accounts (IRAs) to help South Jersey residents save for retirement with potential tax advantages. IRAs are available in various terms. Annual contribution limits and tax treatment depend on your individual tax situation; please consult a qualified tax advisor. To open an IRA, visit any FNBA branch to get started.
Home equity, mortgages, auto loans, and how to apply.
FNBA offers a wide variety of personal loan products for your every need, including home equity loans, home equity lines of credit (HELOCs), mortgage loans, and personal installment loans. Each product is reviewed and approved locally by South Jersey bankers who understand your community.
FNBA personal loans are processed entirely in-branch , so you work directly with a local South Jersey banker from start to finish. Visit your nearest FNBA branch to begin the application. Your banker will guide you through the required documentation and next steps.
Required documentation varies by loan type, but you should generally be prepared to provide a valid government-issued photo ID, proof of income (such as recent pay stubs or tax returns), information about assets and existing liabilities, and property information for secured loans. Your FNBA banker will give you a personalized checklist when you begin your application.
Because all FNBA lending decisions are made locally, right here in South Jersey, the process is straightforward and personal. Many loan decisions can be made quickly, without the delays of routing your application to a distant regional office. Your banker will give you a realistic timeline based on the specific loan type and your documentation.
Yes. FNBA offers both home equity loans (fixed-term, lump-sum) and home equity lines of credit (revolving access to funds as needed). Both products use the equity in your home as collateral and are reviewed by local South Jersey bankers. Rates and terms are available at your nearest branch or by calling 609-641-6300.
Checking, savings, loans, and services for South Jersey businesses.
FNBA offers two business checking options tailored to South Jersey businesses: Small Business Checking, designed for sole proprietors, startups, and growing businesses with standard transaction volumes; and Commercial Business Checking, built for higher-volume operations with more complex banking needs. Both accounts come with a dedicated South Jersey banker and straightforward pricing. Compare accounts by clicking here.
FNBA Small Business Checking has no monthly service fee when you maintain the required minimum daily balance of $1,000 and process up to 200 items per month. Commercial Business Checking fee information is available by contacting an FNBA business banker directly. There are no hidden charges, and your banker will walk you through the full fee schedule before you open your account.
Small Business Checking is best suited for sole proprietors, freelancers, and smaller operations with up to 200 monthly transactions and a $1,000 minimum daily balance. Commercial Business Checking is designed for established businesses with higher transaction volumes, more complex cash management needs, and access to a dedicated relationship manager. Visit our comparison page for a full side-by-side comparison.
Yes. FNBA Business Money Market accounts allow your business reserves to earn interest while remaining accessible. FNBA also offers Business Certificates of Deposit for locking in a rate over a defined term. Both products are FDIC insured and available exclusively through FNBA branches. Learn more here or call 609-641-6300 to speak with a South Jersey business banker.
Business accounts at FNBA must be opened in person at a branch. You will typically need your business formation documents (such as articles of incorporation or a DBA certificate), two forms of a valid government-issued photo ID for all signatories, your Employer Identification Number (EIN) or Social Security number, and an initial deposit. Visit any FNBA branch to meet with a business banker.
Online banking, mobile app, bill pay, remote deposit, and account security.
To enroll in FNBA Online Banking, you must first have an active FNBA account. Enrollment is completed through the FNBA website. You will need your account number and the contact information on file. Once enrolled, you can access real-time balances, transaction history, bill pay, fund transfers, and check images from any device, 24 hours a day, 7 days a week.
Personal Online Banking is free. Speak with your FNBA banker for current pricing on Business Digital Banking (Cash Management) services. Call 609-641-6300 or stop by any branch for the most up-to-date information.
Yes. FNBA’s Mobile Deposit feature allows you to deposit checks directly from your smartphone using the FNBA mobile banking app. Simply photograph the front and back of your endorsed check, submit it through the app, and the funds will be processed according to FNBA’s standard availability schedule. Download the app from the App Store (Apple) or Google Play (Android). Message and data rates may apply.
Yes. Through FNBA’s Business Digital Banking (Cash Management), business owners can grant designated employees access to specific online banking functions with customized permission levels. This includes view only access, access to initiating transfers, reporting access, Remote Deposit Capture and the ability to originate ACH transactions. Employee access controls help you maintain oversight while enabling your team to manage day-to-day banking tasks efficiently. Contact your FNBA business banker at 609-641-6300 to enroll. Bill Payment access restricted to administrator.
Subject to approval. Fees may apply.
If you forget your FNBA online banking password, click the “Forgot Password” link on the login page and follow the prompts to verify your identity and reset your credentials. If you experience difficulty, call 609-641-6300 during business hours. Never share your login credentials with anyone, including individuals claiming to represent a bank.
How to recognize, report, and protect yourself from fraud.
Contact FNBA immediately. Call 609-641-6300 during business hours. You can also visit any FNBA branch to speak with a banker in person. Report the suspicious activity as quickly as possible so we can place a hold on affected transactions, issue new account credentials if needed, and begin a review. Additional fraud-reporting guidance is available here.
Phishing is a scam in which fraudsters impersonate a trusted organization, such as your bank, via email, text, or phone to steal personal and financial information. FNBA will never ask for your account number, Social Security number, password, or PIN through unsolicited email or text. If you receive a suspicious message claiming to be from FNBA, do not click any links. Call 609-641-6300 to verify. Learn more here.
FNBA uses multiple layers of security to protect your accounts, including out-of-band authentication, which verifies your identity through a separate channel before authorizing high-risk transactions. Card Suite Lite lets you lock your debit card, set spending limits, and receive real-time alerts. Our online banking platform uses encryption and session monitoring to detect unusual activity. You can read more here.
Card Suite Lite is FNBA’s card-control feature available through a separate mobile app. Card Suite Lite, lets you lock or unlock your debit card, set transaction limits, restrict card use by location or merchant type, and set spending alerts; To activate Card Suite Lite, download the separate app by going to the Google Play Store or the Apple Store.
Do not respond, click any links, or provide any personal information. FNBA will never contact you out of the blue to request your password, PIN, full account number, or Social Security number. If you receive a suspicious email, delete it. If you receive a suspicious phone call, hang up and call 609-641-6300 to verify. Visit Fraud Protection page for additional guidance.
Routing number, FDIC coverage, branch locations, hours, and contact information.
FNBA’s ABA routing number is 031204804. You will need this number to set up direct deposit, authorize ACH payments, initiate wire transfers, or link an external account. This number is specific to First National Bank of Absecon and should be used for all electronic transfers to and from your FNBA account. You can also find it printed on the bottom-left corner of your FNBA checks.
Yes.
Insured up to $250,000 per deposit account, funds greater than $250,000 are eligible based on ownership category.
FNBA serves South Jersey with branch locations in the greater Atlantic County area, including Absecon and surrounding communities. To find the branch nearest to you, visit the Branch Locator here or call 609-641-6300. Our bankers are happy to assist you in person Monday through Saturday during regular business hours.
FNBA branch hours vary by location. To find current hours for your nearest branch, visit our locations Page or call 609-641-6300. For after-hours banking needs, FNBA online banking, mobile banking, and telephone banking (1-866-809-0301) are available 24 hours a day, 7 days a week.
You can reach FNBA customer service by phone at 609-641-6300 during business hours.. You can also visit any FNBA branch in person to speak directly with a South Jersey banker. To submit a general inquiry or message online, visit contact us page. FNBA does not use social media direct messages to discuss account information.
A South Jersey FNBA banker is ready to help. Whether you have a question about a specific product, need to report a concern, or just want to talk through your options, we are here.
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