FNB Adds Business Platform to eStore® Common Application
MWN-AI** Summary
F.N.B. Corporation, through its banking subsidiary First National Bank, has launched business deposit products on the eStore® Common Application, allowing both consumers and small businesses to apply for over 40 banking products with a single universal application process. This innovative feature enhances the bank's digital offerings, streamlining the application procedure for clients seeking comprehensive financial solutions. Small business owners can now simultaneously open a small business checking account and a personal credit card, reducing application time by nearly 30% compared to applying separately for each product, with applications taking approximately seven minutes.
Among the new offerings is the Business First package, a bundled checking solution tailored for small businesses. Launched in Q2 2025, it provides essential features such as advanced reporting tools, fraud mitigation services, and optimized accounts receivable options. F.N.B. plans to introduce business loan products to the eStore Common app in 2026, further expanding their services.
Vincent J. Delie, Jr., Chairman and CEO of F.N.B. Corporation, emphasized the bank's commitment to a digital-first approach, leveraging AI and a robust data warehouse to deliver personalized product recommendations efficiently. The eStore Common app saw a 108% increase in submissions between Q1 and Q2 of 2025, indicating a significant uptake in the platform.
The application process is user-friendly, allowing customers to select products, upload necessary documents, and automate account funding, thus enhancing convenience. This development underlines F.N.B's focus on digital innovation to meet the evolving needs of consumers and businesses, reinforcing its position in the financial services industry.
MWN-AI** Analysis
F.N.B. Corporation's recent integration of business deposit products into the eStore® Common Application marks a significant innovation in the banking sector, positioning the bank to capture a larger share of both consumer and small business markets. This development not only streamlines the application process—potentially reducing the time needed for customers to acquire both personal and business banking products—but also enhances FNB’s competitiveness in a digital-first environment.
For investors, this move signals a robust commitment to digital innovation that aligns with consumer expectations for quick and efficient banking solutions. The incorporation of AI and data-driven personalized recommendations further bolsters customer acquisition, as demonstrated by the impressive 108% increase in eStore Common app submissions between Q1 and Q2 of 2025. This suggests that FNB is gaining traction in its strategic objectives, potentially leading to sustained revenue growth.
Moreover, the introduction of the Business First package, which includes advanced features catering to small businesses, could enhance customer retention and loyalty. As small businesses increasingly turn to electronic platforms for their banking needs, FNB’s comprehensive digital suite is likely to attract new customers looking for integrated solutions.
As FNB plans to introduce business loan products to the platform in 2026, investors should monitor how these enhancements impact the company's lending volumes and overall market share. Additionally, with total assets nearing $50 billion, any uptick in deposit and loan activity stemming from this digital strategy may positively influence FNB’s stock performance.
In summary, investing in FNB could represent a strategic opportunity as the bank capitalizes on digital trends and enhances operational efficiency. However, investors should remain vigilant regarding broader economic indicators that could impact small business activity and overall banking performance.
**MWN-AI Summary and Analysis is based on asking OpenAI to summarize and analyze this news release.
PR Newswire
Consumers and Small Businesses Now Able to Apply for More Than 40 Banking Products Simultaneously with One Universal Process
PITTSBURGH , July 24, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) and its banking subsidiary, First National Bank, today announced the addition of business deposit products to the eStore® Common application (Common app). Customers can now use one universal application for both business and personal bank accounts — affirming the Company's leadership in digital innovation that is reshaping the financial services industry.
The release of business deposit products in the eStore Common app — and the continued ability to apply for multiple consumer loan and deposit products via one experience — makes it even faster for FNB customers to acquire products and services that address the complete range of their financial needs.
The time-save is especially impactful when multiple products are included given that most applications can be completed in approximately seven minutes. A small business owner applying to open a small business checking account and a personal credit card together in the eStore Common app, for example, would spend nearly 30 percent less time completing a single application than a customer who applied separately for each product.
Among the business deposit products now available in the Common app is Business First, FNB's bundled checking solution designed to meet the comprehensive banking needs of small businesses. Introduced in the second quarter of 2025, the Business First package includes integrated and advanced reporting tools, fraud mitigation services, optimized accounts receivable capabilities and more. FNB expects to add business loan products to the eStore Common app in 2026.
"Customers expect banking to be digital-first," said Vincent J. Delie, Jr., Chairman, President and Chief Executive Officer of F.N.B. Corporation and First National Bank. "eStore and the Common app are powered by AI and a massive data warehouse, so we can automate both the delivery of personalized product recommendations and the process to open those accounts digitally. Our omnichannel approach makes it easy for consumers and businesses to choose FNB for all their banking needs, which is evident in our growing presence in markets throughout our footprint."
eStore Common app submissions increased 108 percent between the first and second quarter of 2025. As of June, FNB's full branch network was originating applications on the platform, aligning the universal application process across the Company's digital and physical channels. Now, multiproduct purchasing is expected to grow even further as bankers leverage AI and automation to efficiently provide customers with personalized, data-driven recommendations for the "next-best" product and service.
Accessing the eStore Common app is simple. Customers can use eStore to select and add products to their shopping cart, and then check out to begin an application. FNB has included data prefilling technology in the system to eliminate keystrokes for customers. In addition, the eStore Common application's enhanced functionality includes the ability to upload supporting documents with ease as well as automated account funding.
FNB continually builds on its digital banking platform. Explore the Company's comprehensive digital solutions, highlighted by eStore, at fnb-online.com .
About F.N.B. Corporation
F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania , is a diversified financial services company operating in seven states and the District of Columbia . FNB's market coverage spans several major metropolitan areas including: Pittsburgh, Pennsylvania ; Baltimore, Maryland ; Cleveland, Ohio ; Washington, D.C. ; Charlotte , Raleigh , Durham and the Piedmont Triad ( Winston-Salem , Greensboro and High Point ) in North Carolina ; and Charleston, South Carolina . The Company has total assets of nearly $50 billion and approximately 350 banking offices throughout Pennsylvania , Ohio , Maryland , West Virginia , North Carolina , South Carolina , Washington, D.C. and Virginia .
FNB provides a full range of commercial banking, consumer banking and wealth management solutions through its subsidiary network which is led by its largest affiliate, First National Bank of Pennsylvania , founded in 1864. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, government banking, business credit, capital markets and lease financing. The consumer banking segment provides a full line of consumer banking products and services, including deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services. FNB's wealth management services include asset management, private banking and insurance.
The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol "FNB" and is included in Standard & Poor's MidCap 400 Index with the Global Industry Classification Standard (GICS) Regional Banks Sub-Industry Index. Customers, shareholders and investors can learn more about this regional financial institution by visiting the F.N.B. Corporation website at www.fnbcorporation.com .
SOURCE F.N.B. Corporation
FAQ**
How does F.N.B. Corporation FNB plan to leverage AI and automation to enhance customer experience in the eStore Common application for business products?
What measures is F.N.B. Corporation FNB implementing to ensure the security of transactions through the new business deposit products in the eStore Common app?
Can F.N.B. Corporation FNB provide insights on anticipated customer response based on the 108 percent increase in eStore Common app submissions in 2025?
What specific features of the Business First package does F.N.B. Corporation FNB expect to resonate most with small business owners in their banking needs?
**MWN-AI FAQ is based on asking OpenAI questions about F.N.B. Corporation (NYSE: FNB).
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