Online Banking

Business Checking Accounts

Click the links below to learn more about the business checking account options offered by FNCB.


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

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 tickets per statement cycle.


No monthly maintenance fee, no minimum balance, Free Online and Bill Payment.

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.



No charge if a daily balance of $1,500 is maintained.


Unlimited check writing and the account pays interest. Not all business entities are eligible for this account. Check with one of our branch offices for eligibility requirements.

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.

Simply Small Business Checking

This 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.

  • No monthly maintenance service charge
  • No minimum balance requirement
  • Free FNCB Online and Bill Payment
  • 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 tickets per statement cycle.
  • No annual fee FNCB Business Debit Card with a $2,500 purchase limit
  • Online statements and check images
  • No fee NOW Account to business owner
  • Workplace Banking for employees

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 and ACH Origination services)
    • 10 Accounts or less - $35.00 per month
    • 11 Accounts or more - $60.00 per month
  • FNCB Business Debit Card - Learn More
  • 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. Learn More.
  • Cash Management/Sweep services available
  • Monthly maintenance fee: $20.00
  • Workplace Banking for employees

NOW Checking

Earn a competitive interest rate and enjoy unlimited check-writing privileges with FNCB's NOW Checking Account. You'll also enjoy a wide range of free services with this account.

(Please note that not all business entities are eligible for this account. Check with one of our conveniently located branch offices for eligibility requirements).

  • Interest bearing
  • Unlimited check writing
  • Free Small Business FNCB Online and Bill Payment
  • FNCB Business Debit Card
  • Free Introductory Order of Checks (limited styles available)
  • Overdraft protection available

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 and FNCB Online Bill Payment (with Simply Small Business checking account)
  • Tiered Variable Interest Rate
  • Free FNCB Debit Card (only as secondary account)
  • Combined statements available
  • Monthly statement delivered electronically via FNCB Online

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. Qualified interest earned is forwarded by FNCB to the Pennsylvania IOLTA board to fund legal expenses for those who are unable to afford legal services, and other justice related projects of the board.

  • 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

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