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Former FNB Customers: Account Conversion Details

The FNBNF logo next to the Innovations logo against a background of imarks.

What To Expect

Your account(s) from First National Bank Northwest Florida's operating system have been converted to the Innovations Financial Credit Union operating system. Please take a moment to review the key details about how this change has impacted your account.

New Account Numbers

Your new account number was mailed to you in January, along with the last four digits of any debit card linked to your account. If you did not receive your new account number, please contact us at 850.233.4400.

Membership Account Card

A membership account card may be obtained at any branch location.

Innovations Routing and Transit Number

Starting February 3, please use Innovations FCU's Routing and Transit Number: 263281556 for any new ACH or direct deposit transactions.

  • Existing direct deposits and payments, such as Social Security deposits, payroll, and automatic withdrawals, set up before January 31, will continue without interruption.

Debit Card Transition

  • Your new Innovations FCU debit card was mailed to you in January. Debit cards can be activated after February 3, 2025.
  • Remember to update any automatic payments linked to your current First National Bank debit card with your new Innovations card details.
  • Your First National Bank debit card was deactivated at 3 PM on January 31.

Checks

You can continue using your checks with the First National Bank logo until they run out. After the account conversion, your current checks will continue to process without any disruption.

Online and Mobile Banking Services

Your First National Bank online and mobile banking credentials will no longer work after January 31.

Beginning February 3, you may enroll and begin using the Innovations Digital Banking services. Here's what you will need to Enroll your account:

  • Online Banking: Visit innovationsfcu.org/digital-banking/online-banking/ to enroll using your Social Security Number, Account Number, and Birth Date. Business Accounts will need their TIN or EIN and account number.
  • Mobile Banking App: Download the "Innovations FCU" app from your device's app store and click "Don't have an account? Enroll." Your Social Security Number, Account Number, and Birth Date are required for enrollment. Business Accounts will need their TIN or EIN and account number.
  • Valid Email Address Required: Your current email address must be on your account file to fully establish your digital banking services. If you are uncertain about the email address associated with your account, please contact us at 850.233.4400.
  • Bill Pay Services: Payee information and payment history will transfer to Innovations' digital banking platforms. Payments submitted prior to January 31, 2025, will be processed without interruption.

Account Statements

Innovations will consolidate your Share (Savings), Checking, and Loan accounts into a single monthly statement per account number. Account statements are mailed at the end of each month.

  • A final account statement from the First National Bank system will be sent for account activity through January 31, 2025.
  • Following the account conversion, you will receive your first integrated Innovations FCU account statement. Your first statement will serve as a reference to verify balances, etc., by matching it to your January 31, 2025, statement.

Safe Deposit Boxes

For members with safe deposit boxes at our Middle Beach Branch, your access will remain unchanged.

For members with safe deposit boxes at our 23rd Street East Branch, we kindly request that you move your safe deposit box to another Innovations branch location. Our 23rd Street East Branch will transition to an Administration Center, so access to safe deposit boxes will no longer be available after December 31, 2025.

To assist with this transition, we are offering a FREE one-year rental for members who relocate their safe deposit box from the 23rd Street East Branch to another Innovations location during the month of February.

To move your safe deposit box, select an Innovations branch that is most convenient for you. Be sure to move your box before December 31, 2025, with a special incentive if moved in February 2025. Then, contact us to schedule your move.

We appreciate your cooperation and we are here to assist with any questions.

We're Here to Help

If you have any questions about your new account or need assistance, please contact us at 850.233.4400 or visit your nearest branch.

Thank you for your trust and partnership as we continue to deliver exceptional financial services. We look forward to serving you and helping you achieve your financial goals as part of the Innovations family.

Lobby & Drive-Thru Account Services — 101 East 23rd Street Branch

Beginning February 3, 2025, the 23rd Street East Branch, located at 101 E. 23rd Street, will no longer provide in-person lobby or drive-thru account services. The 23rd Street East Branch will transition into a Mortgage & Business Lending, Operations, & Administration Center to better serve the needs of our membership.

For in-person account services starting Monday, February 3, we invite you to visit any of our other 8 branch locations.

If you have any questions or need assistance during this transition, please contact Dan Chaplik at 850.527.5654 or dchaplik@innovationsfcu.org.

National Credit Union Association

Deposit accounts are now insured by NCUA up to $250,000 per account category. The NCUA is a federal agency created by the United States Congress, which administers the National Credit Union Share Insurance Fund and offers similar deposit insurance to that of the FDIC. (See the NCUA button below for more detailed information.)

Added Deposit Insurance Protection

To further protect member's accounts, Innovations provides the highest combination of federal and private share savings deposit insurance available: $500,000, which includes savings accounts, checking accounts, money market accounts, and share certificates (which are similar to CDs).