February 2022
As your hometown bank, we want to help you make educated financial decisions. That is why we did the research on the newest investment buzz-phrase, NFTs. Below is what we found as an introduction to the topic. We believe it is important to always weigh the risk and reward when you make any financial decision.

When it comes to financial sense, little sense can be made from NFTs. We’ve seen this acronym all over the internet for the last year or so when they went mainstream, but NFTs themselves actually started in 2014. To put it simply, NFTs are sort of like owning an original Matisse painting. People can copy it or try to mimic it, but there is only the true original owned by you. 

NFT stands for non-fungible tokens which means they are not “fungible.” To be fungible means to be able to trade something one-to-one like a bitcoin for a bitcoin. NFTs are not like that because each token holds a different value than another due to its uniqueness–we know it’s very convoluted. When it comes down to it, NFTs are currently just like trading cards for the ultra wealthy.
Turn that equity into cash you can use for anything. Take advantage of our special home equity offer.

Exclusive FNB Loan
Competitive Rates
No Closing Costs or Fees

  • First or second mortgages
  • 10 year term
  • WSJP Prime (at the time of closing) + 0.25 = 3.5% fixed*
  • NO CLOSING COSTS 
  • Maximum Loan $200,000
  • 80% Max Loan-to-Value
  • Primary residence only

*With Approved Credit. FNB Community Bank is an Equal Housing Lender.
Contactless Payments Now Available
You can now tap to pay for a secure, convenient and touch-free way to checkout where you see the Contactless Symbol.
  • It’s secure – Each tap to pay transaction generates a transaction-specific, one-time code that is extremely effective in reducing counterfeit fraud.
  • It’s convenient – A simple tap is all it takes.
  • It’s touch-free – Tapping to pay with your Visa contactless chip card can help you avoid touching surfaces at contactless-enabled checkout.

Here’s all you need to know to use your new card confidently:
  • Look: Check for the Contactless Symbol on the store’s checkout terminal.
  • Tap: When prompted, bring your card, mobile or wearable device within a few inches of the Contactless Symbol on the checkout terminal.
  • Go: Your payment is securely processed in seconds. Once your payment is confirmed, you’re good to go!

There are no changes to the way payments are made on the Internet or by phone.

For merchants without contactless terminals, cardholders will ‘swipe’ or ‘insert’ their card at the terminal, just as is done today.
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