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Online Banking

Business Checking Accounts & Money Market Accounts

FNCB Bank offers specialized business checking and money market accounts to meet the financial needs of small to large businesses in Pennsylvania, New York, and New Jersey. Small and growing businesses can benefit from accounts with no monthly maintenance fees, a complimentary FNCB Business Debit Card, employee workplace banking, and free online services. For larger businesses, we provide accounts with earnings allowance credits to offset service charges, along with advanced services like FNCB Remote Deposit Capture and Cash Management. Visit one of our 16 Northeastern Pennsylvania locations or call us today at 1-877-879-3622 to find the right solution for your business.


Small Business Banking for Enterprises in PA, NY, and NJ

At FNCB Bank, we deeply understand the unique financial challenges and opportunities faced by small businesses and larger enterprises in Pennsylvania, New York, and New Jersey. Our specialized business checking and money market accounts are designed with these specific needs in mind, offering a range of features and services that can be tailored to businesses of all sizes. Whether you're a small business looking for cost-effective banking solutions, a larger enterprise seeking advanced cash management services, a law firm or attorney, or looking for a checking account for an estate, FNCB Bank is committed to providing the financial tools and expertise you need to succeed.


Business Checking Accounts Comparison Chart

Use the chart below to compare the different business checking accounts offered by FNCB Bank side by side. This will help you decide which one is the best fit for you:

Type of Account

Monthly Maintenance Service Fees


Why Choose This Account

Compare Accounts

Simply Small Business Checking

$10 fee if average collected balance falls below $1,000 during the statement cycle.

A $0.35/item charge will be assessed on any item above a combined amount of 250 checks deposited/paid, ACH debits/credits and deposit transactions per statement cycle.


Activity on the account is free of charge, if it is a combination of 250 or less checks deposited/paid, ACH debits/credits and deposit transactions per statement cycle.

Business Checking

Fees can be offset by Account Earnings Credit.

Monthly maintenance fee of $20

$ 0.18 for each check deposited during statement cycle

$ 0.23 for each check paid during statement cycle

$ 0.60 for each deposit ticket processed during statement cycle

$ 0.18 for each ACH transaction processed during statement cycle.


FNCB Business Online and FNCB Business Debit Card are available.

Simply Money Market

$12.50 if balance falls below $2,500.00 any day of the statement cycle.

Yes, tiered rate structure

Earns interest with higher returns on higher balances.


No minimum balance requirement.


Checking account for attorneys and law firms.

Estate & Trust Checking

Activity on the account is free of charge, if it is a combination of 250 or less checks deposited/paid, ACH debits/credits and deposit transactions per statement cycle. $0.35 per item charge over 250 items.


Checking account for assets being passed on or used on behalf of the account beneficiaries.

Simply Small Business Checking

This small business checking account is perfect for many small and growing businesses. There are no monthly maintenance fees or minimum balance requirements, and free FNCB Online and Bill Payment is also included.

  • Activity on the account is free of charge if it combines 250 or fewer checks deposited/paid, ACH debits/credits, and deposit transactions per statement cycle.
  • Free FNCB Online and Bill Payment
  • No annual fee FNCB Business Debit Card with a $3,500 purchase limit
  • Send money with Zelle®
  • Online statements and check images
  • Workplace Banking for Employees
  • $10.00 fee if the average collected balance falls below $1,000 during the statement cycle
  • ACH Origination Fee of $25.00 per month

Business Checking

This account is designed for companies that carry large checking account balances. It provides an earnings allowance credit to help offset monthly service charges.

  • FNCB Business Online (includes Bill Payment)
  • ACH Origination Fee of $25.00 per month
  • FNCB Business Debit Card - Learn More
  • Send money with Zelle®
  • Earning Credit Allowance can be used to offset most fees, including the following eligible fees:
    • $0.18 per deposited item
    • $0.23 per check paid
    • $0.60 per deposit ticket processed
    • $0.18 per ACH transaction processed
  • Online statements and check images
  • FNCB Remote Deposit Capture is available. 
  • Cash Management/Sweep services available
  • Monthly maintenance fee: $20.00
  • Workplace Banking for Employees

Simply Money Market

This money market account pays competitive interest rates and also offers limited check-writing abilities. Interest rates are tiered - the higher your balance, the higher your potential rate.

  • Free FNCB Online Banking
  • Tiered Variable Interest Rate
  • Combined statements available
  • Monthly statement delivered electronically.

IOLTA – (Interest on Lawyers’ Trust Account)

IOLTA (Interest on Lawyers' Trust Account) checking accounts are available for attorneys and law firms who maintain funds held in trust or escrow on behalf of a third party. FNCB forwards qualified interest earned to the Pennsylvania IOLTA board to fund legal expenses for those unable to afford legal services and other justice-related projects.

  • A competitive interest rate is paid on all collected balances greater than $1,500.00
  • Unlimited check writing
  • No monthly service charge or minimum balance requirement
  • FDIC Insured

Estate & Trust Checking

Our estate & trust checking accounts are set up to provide a safe haven for assets as they are being passed on or used on behalf of the account beneficiaries.

  • No Courtesy Overdraft service.
  • No Debit Card access.
  • Monthly statement delivered electronically via FNCB Online.
  • $8.00 per month statement charge if paper statements are requested.

Need to talk?

You can speak with one of our friendly customer service representatives by calling us at 1-877-879-3622:

Monday-Friday, 8:30 a.m. - 5:00 p.m. (EST)

Saturday, 9:00 a.m. - 12:00 p.m. (EST)

Business Checking Account FAQ

What does a business need to open a checking account?

The requirements for opening a business checking account can vary, depending on the ownership structure, but generally, businesses will need to provide the following:

  • Business Identification:  A federal Employer Identification Number (EIN) or, for sole proprietors, a Social Security Number (SSN).
  • Business Formation Documents:  Articles of Incorporation, Articles of Organization, or a license proving the business is legally registered.
  • Ownership Agreements:  Partnership agreements, operating agreements, or shareholder agreements, if applicable.
  • Business License:  This proves that your business is legally registered and authorized to operate in your jurisdiction.
  • Assumed name certificate:  This may be required if your business is operating with a DBA (doing business as).
  • Personal Identification:  Government-issued photo IDs (e.g., driver's license, passport) for all individuals with significant control over the business, such as owners and key executives.
  • Initial Deposit:  Many banks require an initial deposit to open the account, and the amount can vary.

Why should I open a business checking account and not a personal checking account?

Opening a business checking account instead of using a personal account for business transactions offers several advantages. It helps maintain a legal separation between personal and business finances, simplifying tax preparation and compliance. A business account enhances your professional image and allows for easier expense tracking and management. It can also offer specialized features tailored to business needs, such as payroll services. A business checking account is important for effective financial management.

What are the benefits of a business money market account?

A business money market account (MMA) offers a blend of growth and flexibility ideal for businesses. These accounts typically feature higher interest rates than standard savings accounts, allowing your funds to grow more efficiently. They also provide a degree of liquidity, often permitting a limited number of withdrawals and transfers without penalties. Being FDIC-insured, they offer a secure place to hold your business's funds. Money market accounts are an effective way of ensuring proper cash management and financial planning.

OUR MISSION: To make your banking experience Simply Better!

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