Your FNB username is in your welcome email or on your bank card statement

When you opened your First National Bank (FNB) account, the bank sent you a welcome email with your username printed in it. If you still have that email, search your inbox for "FNB" or "First National Bank" and look for a message from the bank's no-reply address. Your username appears near the top, often labeled as "User ID" or "Online Banking Username."

If you cannot find the email, check your most recent bank statement — paper or digital. FNB prints your username on statements, usually in a box near your account number or in a section about online banking. You can also look at any debit card or ATM card the bank issued you; some versions print the username on the back or front.

If neither of those works, you have two direct routes: call FNB's customer service line or visit an FNB branch in person with your ID. Both can confirm your username when ready without resetting anything.

Key Takeaways

  • Your FNB username was sent to you in a welcome email when you opened your account, usually labeled as "User ID" or "Online Banking Username."
  • Bank statements — both paper and digital — print your username, typically near your account number or in the online banking section.
  • Calling FNB customer service or visiting a branch with your ID is the fastest way to confirm your username if you cannot locate it in writing.
  • Your username is different from your password; the bank can tell you the username but will never tell you the password over the phone.

Check your email inbox and spam folder

Start with the email address you gave FNB when you opened the account. Search for emails from FNB using the words "welcome," "username," "user ID," or "online banking." The welcome packet usually arrives within a few days of account opening and contains your username in plain text.

Check your spam and promotions folders too — bank emails sometimes land there by mistake. If you have multiple email addresses, search the others you may have used with the bank. Some people open accounts with a work email and later switch to personal email, then forget which one they used.

Look at your bank statement for the username

Log into your FNB online account using a computer or the FNB mobile app if you remember your password. Once logged in, your statement will show your username at the top or in a section labeled "Account Information" or "Online Banking Details."

If you have a paper statement, flip through the pages looking for a box or section about online banking. FNB typically prints this information on the first or last page. The username may be labeled "User ID," "Online Banking ID," or straightforward "Username."

Call FNB customer service with your account details

FNB's customer service team can tell you your username over the phone. Have your account number, Social Security number, and a form of ID ready before you call. The bank uses these to verify you are the account holder.

You can find the customer service number on the back of your debit card, on FNB's website, or by searching "FNB customer service phone number." Wait times vary by time of day and day of week; calling early in the morning on a weekday is usually faster than calling in the afternoon or on weekends.

Visit an FNB branch in person

Walk into any FNB branch with your government-issued ID and ask a teller for your username. Bring your debit card or account number if you have it. The teller can look it up in seconds and write it down for you.

This is the fastest option if you have a branch near you and can go during business hours. You do not need an appointment, and the process takes less than five minutes. If you are not sure where your nearest branch is, search "FNB near me" or visit FNB's branch locator on their website.

Reset your username if you cannot remember it

If you have tried all the above and still cannot find your username, FNB allows you to reset it. Go to the FNB login page and look for a link that says "Forgot Username" or "Forgot User ID." Click it and follow the prompts, which usually ask you to enter your account number and answer security questions you set up when you opened the account.

The reset process takes a few minutes and sends a new username to your registered email address. You will still need to know your password or be ready to reset that too. If you cannot answer the security questions, call customer service and they can walk you through a verification process instead.

Understand the difference between username and password

Your username is the name you use to log in — it is not secret and you can share it with others if needed. Your password is secret and only you should know it. FNB will never ask for your password over the phone or email, and customer service cannot tell you what your password is.

If you have forgotten your password but remember your username, use the "Forgot Password" link on the FNB login page to reset it. If you have forgotten both, start by recovering your username using the steps above, then reset your password separately.

Frequently Asked Questions

Is my FNB username the same as my account number?

No. Your account number is a series of digits tied to your specific account. Your username is a separate login name you created or were assigned when you opened online banking. You need both to access your account online, but they are different pieces of information.

Can I change my FNB username?

Yes. Once you are logged into your online account, look for a settings or profile section — usually labeled "Account Settings," "Preferences," or "Security." From there you can change your username to something you prefer. The exact steps vary depending on whether you use the website or mobile app.

What if I have multiple FNB accounts?

You typically use the same username to log into all your FNB accounts. Once you log in, you can switch between accounts from a dropdown menu or account selector. If you have accounts at different FNB branches or in different states, they may use separate usernames — call customer service to confirm.

How long does it take to reset my username?

If you use the "Forgot Username" link on the login page, FNB sends a new username to your registered email within a few minutes. If you call customer service, they can tell you your username when ready over the phone. In-person at a branch is also when ready.