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:

Compare Accounts
Type of Account	Monthly Maintenance Service Fees	Interest	Why Choose This Account
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.	No	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	No	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.
IOLTA	No minimum balance requirement.	Yes	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.	No	Checking account for assets being passed on or used on behalf of the account beneficiaries.

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. 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. Free FNCB Online and Bill Payment No annual fee FNCB Business Debit Card with a $2,500 purchase limit Send money with Zelle® Online statements and check images No fee NOW Account to business owner Workplace Banking for employees $10.00 fee if 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 and FNCB Online Bill Payment (with Simply Small Business checking account) Tiered Variable Interest Rate Free FNCB Debit Card (only as secondary account) Send money with Zelle® 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

Estate & Trust Checking
These 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 requested.

Business Checking Accounts

Business Checking Accounts Comparison Chart

Simply Small Business Checking

Business Checking

Simply Money Market

IOLTA – (Interest on Lawyers’ Trust Account)

Estate & Trust Checking

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