Welcome to FNBT Bank serving the Emerald Coast for 60 years

FNBT Bank will be closed Wednesday January 1st, 2025
celebrating the New Year.

WE’RE HIRING

Established in 1956, FNBT is locally owned and operated along Florida’s Emerald Coast offering complete banking services with offices In Okaloosa, Walton and Santa Rosa Counties.

We are searching for talented individuals to join our team. We have openings for Teller, Personal Banker, Loan Portfolio Analyst and Mortgage Originator positions. Retirees are encouraged to apply for any position for which they feel qualified.

It’s easy. Simply click on Careers, then Job Opportunities and the Career Center to complete an application.

AA/EOE/M/F/DV

* * * Fraud is on the Rise! * * *

* * * Fraud Alert!!! * * *

The Police or Sheriffs Department, will never request that you make any type of payment of fines or bonds in cash. Never Depost Cash in a Kiosk as a payment to an official agency.

Americans lost over $10 billion to fraud in 2023, with a significant portion of these losses attributed to holiday-related scams, like online shopping issues and gift card scams.

more on the Twelve (12) days of Fraud Prevention

If you or a loved one were solicited through a computer pop-up, social media site, dating site, text, email, or phone call by someone you have never met, and answer "YES" to one of the following questions, you may have been targeted by a SCAM.

• Has someone claiming to be a government agency (Police or Sheriffs Department, IRS - Internal Revue Service for example) or a public utility, the power company for an example, called and requested money in order to clear you of a crime or keep your power from being disconnected?

• Has someone sent individuals to your home or requested by phone for you to meet in a public place to drop off or pickup money or other items of value to deliver to an unknown person?

• Has someone claiming to be a bank representative contacted you to request your social security number or other information from you.

• Has someone contacted you and requested you to withdraw money and if questioned by a bank representative, instructed you what to tell the bank official.

• Has someone asked you to obtain cash to either purchase gift cards or cryptocurrency (Bitcoins) and deliver to them by either meeting in a public place or depositing the money in an ATM?

• Has someone you never met claimed to be romantically interested in you, but requests you to send them money or something of value? • Has someone claiming to be a tech or customer support representative requested money to remove a virus or child pornography from your computer or to secure your account?

• Has someone contacted you claiming to be a family member is in danger or jail and you must send money now to avoid further harm?

If answered Yes to any of the above questions, you may be the victim of a SCAM. Please contact your local Police Department or you county Sheriff's department by calling their non-emergency number.
Please talk to a family member or a trusted friend before delivering money or other items of value for any of the actions above.

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Need help with one of our products or services
check out our helpful videos at Products and Services Help


If you need help or have questions, please contact our Friendly Helpful Staff
at    (850)796-2000 Monday through Friday from 8:00 am to 5:00 pm
or Email us at anytime at needhelp@fnbt.com

We appreciate your business!