Your FNB username is the login ID you create when you first set up online banking, not your account number

First National Bank (FNB) uses a username — a text string you choose yourself — rather than your account number to log into online banking. If you set up online banking years ago and cannot remember what you picked, or if you never created one, FNB has a straightforward way to recover or create it. You do not need to visit a branch or call a phone line that puts you on hold for an hour.

The fastest route is FNB's online username recovery tool on their login page. If that does not work for your situation, you can reset it through their mobile app or by visiting a branch with your ID. The whole process usually takes a few minutes if you have access to the email or phone number on file with your account.

Key Takeaways

  • Your FNB username is separate from your account number and is something you created when you first enrolled in online banking.
  • Use the "Forgot Username?" link on the FNB login page to recover your username if you remember your email or phone number on file.
  • If you never created a username, you can set one up through the FNB mobile app or by logging in with your account number and a temporary password.
  • If you cannot recover your username online, bring a government-issued ID to any FNB branch and a staff member can reset it for you in person.

Using the FNB login page to find your username

Go to FNB's main website and look for the login section. Below the username and password fields, you will see a link that says "Forgot Username?" Click that link. FNB will ask you to enter either the email address or phone number associated with your account.

If you enter the correct email or phone number, FNB will send you a message with your username or a link to reset it. Check your email inbox (and spam folder) or your text messages within a few minutes. This method works whether you forgot your username or never created one in the first place.

If you do not remember the email or phone number on file, or if that email account no longer exists, move to the next section instead of trying multiple times — too many failed attempts can temporarily lock you out of the recovery tool.

Recovering your username through the FNB mobile app

If you have the FNB mobile app installed on your phone, you can recover your username without visiting the website. Open the app and look for a "Forgot Username?" or "Need Help Logging In?" option on the login screen. The app will walk you through the same process as the website — you enter your email or phone number, and FNB sends you your username.

The mobile app sometimes works faster than the website if you are having trouble with your internet connection or if the website is under maintenance. You can also use the app to set up a new username if you never created one during your initial enrollment.

What to do if you cannot recover your username online

If the email or phone number on file no longer works, or if you do not remember either one, you will need to visit an FNB branch in person. Bring a government-issued photo ID — a driver's license, passport, or state ID card. A staff member will verify your identity and reset your username for you. This usually takes 10 to 15 minutes.

Call your local FNB branch before you go to confirm they can do this during their hours. Some smaller branches may ask you to come back at a specific time or may refer you to a larger branch nearby. You do not need an appointment in most cases, but calling ahead saves you a wasted trip.

Creating a new username if you never set one up

If you have an FNB account but never enrolled in online banking, you can create a username without visiting a branch. Log into the FNB website using your account number and a temporary password. FNB will prompt you to create a username and password during your first login. Choose something you can remember but that is not straightforward for someone else to guess — avoid birthdays, names of family members, or straightforward sequences like "123456".

Once you create your username, write it down and store it somewhere safe, like a password manager. You will use this username every time you log into FNB online banking or the mobile app.

Keeping your username find after you recover it

Your username is not as sensitive as your password, but it is still part of your login. Do not share it with anyone, including FNB staff — FNB will never ask for your username or password over the phone or email. If someone contacts you claiming to be from FNB and asks for your username, that is a scam.

If you suspect someone else knows your username and has tried to log into your account, change your password when ready. You can do this through the FNB website or app under account settings. If you see unauthorized activity on your account, contact FNB's fraud department right away — the phone number is on the back of your debit card or on your account statements.

Frequently Asked Questions

Is my FNB username the same as my account number?

No. Your account number is printed on your checks and statements. Your username is something you create yourself when you enroll in online banking. They are two separate things, and you need the username to log in online.

What if I created a username but cannot remember it?

Use the "Forgot Username?" link on the FNB login page. Enter the email or phone number on file with your account, and FNB will send you your username. If that does not work, visit a branch with your ID and ask a staff member to reset it.

Can I change my username after I recover it?

Yes. Log into your FNB account online or through the mobile app, go to settings or account preferences, and look for an option to change your username. You will need to enter your current password to confirm the change.

How long does it take to recover my username?

If you use the online recovery tool, you should receive your username by email or text within a few minutes. If you visit a branch, a staff member can reset it in 10 to 15 minutes. If you call FNB's customer service line, wait times vary but usually range from 10 to 30 minutes depending on call volume.

What if I think someone else is using my username to log into my account?

Change your password when ready through the FNB website or app. Then contact FNB's fraud department using the number on the back of your debit card. Do not use a phone number from an email or text message claiming to be from FNB, as those are often scams.