Welcome to FNBT Bank serving the Emerald Coast for 60 years

Telephone Banking
We have recently made updates to our automated telephone banking system. All telephone banking users must first register as a new user by pressing the star (*) key when prompted after entering an account number.

The system will then give further instructions on how to complete registration. We appreciate your patience during this transition. Please contact us if you need any assistance with your telephone banking at (850) 796-2000.


  • No Monthly Service Charge
  • No minimum balance requirement
  • FREE-Debit/ATM Card (combination)
  • FREE-Electronic Bank Statement
  • FREE-Mobile Banking
  • FREE-Online Banking
  • FREE-Home Deposit
  • FREE-Telephone Banking

Open your FREE No Service Charge

Debit Card Account Today...

If you have questions or require assistance, please contact our Friendly Helpful Staff at
   (850)796-2000. We are available Monday through Friday from 8:00 am to 5:00 pm.

Bank Owned Real Estate for Sale

Need a loan Email your loan request to LoansOnline@fnbt.com

We appreciate your business!