We are working to make the transition from First National Bank Northwest Florida to Innovations FCU as seamless as possible. Completion of the acquisition, or "closing," was held on August 30, 2024. However, some changes to accounts and services will not occur until the first half of 2025, during "account conversion." More information regarding closing and account conversion can be found below.
Former FNB Customers: Welcome to Innovations!
August 30, 2024 — February 2025
- All First National Bank Northwest Florida deposit and loan products work as they did prior to the acquisition.
- First National Bank Northwest Florida Online Banking & Mobile Banking app will be accessible until account conversion in February 2025. These services are now branded to Innovations however the functionality will remain the same for customers currently using these options. Login to your former FNB Online Banking account.
- Former FNB Mobile Banking app:
- First National Bank Northwest Florida customers are able to use ATMs fee-free at both Publix Presto and CO-OP ATM locations with their First National Bank Northwest Florida debit cards.
- All direct deposits (Social Security, payroll, etc.), automatic withdrawals or transfers, and any transactions (debit card transactions or checks) will continue to be processed and posted to your account.
- You can continue to use your existing First National Bank Northwest Florida checks and debit cards.
- Your account statements are being delivered to you in the same format as before, whether paper or electronic. Your statement(s) have been updated to reflect Innovations Financial Credit Union.
- Your existing First National Bank Northwest Florida credit card is issued and managed by the Independent Bankers Bank N.A. (TIB), and will continue to work.
- 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).
- First National Bank Northwest Florida has voluntarily terminated the insurance of its deposits by the FDIC. The FDIC will not insure any new deposits or additions to existing deposits made by you in Innovations FCU. This notice of termination of FDIC insurance is being provided pursuant to 12 CFR 307.3. Please contact Mr. Dan Chaplik, Director of Branch Operations, at dchaplik@innovationsfcu.org or (850) 249-0566 if additional information is needed regarding this notice or the insured status of your account(s).
- Signage at First National Bank Northwest Florida branches has transitioned to Innovations FCU.
- First National Bank Northwest Florida employees are now part of the Innovations FCU team.
- View the Fees & Transaction Limitations for your former FNB account.
- First National Bank Northwest Florida customers will need to rely upon the former First National Bank Northwest Florida locations only for service of existing accounts until all accounts are integrated at account conversion, which will occur in the first half of 2025. All First National Bank Northwest Florida locations will be retained as Innovations branches, to include existing ATMs.
Full-Service Locations
23rd Street East Branch
101 East 23rd Street
Panama City, FL 32405 directions
Lobby Hours
Mon-Fri 9am–5pm
Drive-Thru Hours
Mon-Fri 8am–5pm
Middle Beach Branch
12501 Hutchison Boulevard
Panama City Beach, FL 32407 directions
Lobby Hours
Mon-Fri 9am–5pm
Drive-Thru Hours
Mon-Fri 8am–5pm
ATM Locations
23rd Street East Branch
Middle Beach Branch
Phone Numbers
23rd Street East Branch
Middle Beach Branch
Toll Free
Bookkeeping
Telephone Banking
Debit Card Fraud
Frequently Asked Questions (FAQ's)
When will the account conversion take place?
Account conversion is currently planned for the first half of 2025. While access to some services may transition at different intervals leading up to and through the account conversion, there should be no impact on your ability to use your account up to and through conversion.
Will my account number or account name change with the account conversion?
You will receive more information on any account changes as we get closer to account conversion.
Will I need to update my ACH (Automated Clearing House) transactions (Social Security, payroll, etc.)?
Following account conversion, you will need to contact any business to whom you provided your account information for ACH payments or deposits and provide your updated routing number: 263281556. We will provide you with more information as we get closer to account conversion.
What happens to the First National Bank Northwest Florida employees?
Innovations FCU is excited to welcome the employees from First National Bank Northwest Florida to the team. We will combine the staff from both institutions to ensure our commitment to providing excellent member service.
Will fees change?
You will receive a copy of Innovations FCU's fee schedule in future correspondence. While you may notice different terminology and intervals at which fees may be charged, it is our goal to keep total fee amounts the same or less than what was historically charged.
Will new debit cards be issued as part of the account conversion?
Yes, new Innovations FCU debit cards will be sent to replace existing First National Bank Northwest Florida-branded debit cards. Activation instructions will be provided with your new Innovations debit card.
What will happen to my safe deposit box?
There will be no immediate changes to the safe deposit boxes at First National Bank Northwest Florida. They will continue to operate under the existing conditions for the remainder of the lease.
What is Innovations FCU routing and transit number?
The routing and transit number is 263281556.
Will my First National Bank Northwest Florida checks still work, or do I need to order new ones?
While First National Bank Northwest Florida checks will be accepted and processed as normal until account conversion, you will be provided with new checks prior to or following account conversion. More details will be included in future correspondence.
Will my loan(s) remain the same following account conversion?
We expect your existing loans to transfer to Innovations FCU with the same terms. If a change to any loan could be necessary, we will contact you to discuss all available options.
How will this affect my loan payments?
You will continue to make loan payments to First National Bank Northwest Florida until account conversion. Following conversion, you will make loan payments to Innovations FCU.
When will I receive my account statement from Innovations FCU?
After closing and prior to the account conversion, you will receive your regular statement, and it will have the Innovations FCU logo. Following the account conversion, your first Innovations FCU statement will serve as a reference to verify balances, etc. by matching the beginning balances on that statement to the ending balances on your last First National Bank Northwest Florida statement.
Will my certificate rates change?
All certificate products will retain their structure and term when converted.
Will beneficiaries transfer with account(s)?
Any previously designated beneficiaries will follow the account when integrated with Innovations FCU's system.
When will I be able to use an Innovations FCU ATM?
After closing, First National Bank Northwest Florida customers will be able to use ATMs fee-free at any Innovations branch or CULIANCE network locations with their First National Bank Northwest Florida ATM and debit cards.
Does Innovations FCU offer account access by phone and when will it be available to me?
Yes, Innovations offers 24-hour phone banking, an audio response system that allows access to account balances, history, and much more. Financial Services Representatives are available Monday through Friday from 9 a.m. – 5 p.m. Service is accessible when calling (850) 233-4400 or the toll-free number (800) 291-6272.
When will digital/mobile access be available?
First National Bank Northwest Florida's current online and mobile banking will be inaccessible after conversion. Innovations FCU's online and mobile banking services will be available after account conversion. A detailed communication about initial access will be sent in future correspondence.
Does Innovations FCU support mobile wallet transactions?
Yes, Innovations FCU supports Apple Pay, Google Pay, and Samsung Pay.
Apple Pay is a registered trademark of Apple, Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Where can I go to find out more about Innovations FCU?
What are Innovations FCU hours?
Learn more about lobby and drive-thru hours at Innovations FCU branch locations.
Who can join Innovations FCU?
Innovations FCU proudly serves those who live, work, attend school, or worship in Bay, Holmes, Washington, Jackson, Calhoun, Gulf, Walton, Okaloosa, Franklin, and Liberty counties. Innovations FCU will fund a $5 share (deposit) savings account for all First National Bank Northwest Florida loan customers who do not have a deposit account with First National Bank Northwest Florida. Existing First National Bank Northwest Florida deposit holders, regardless of balance, will automatically qualify as members of Innovations FCU without the standard $5 initial share requirement.