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Online Banking

Business Savings Accounts and Certificates of Deposits (CDs)

FNCB Bank can help you maximize your return with our business savings accounts and certificates of deposit (CDs). These investment vehicles enable you to earn competitive rates of return on excess business funds while still maintaining the liquidity you need for daily working capital expenses.


Business Savings Accounts in Pennsylvania

In Pennsylvania, FNCB Bank's Business Savings Accounts offer a perfect blend of security and growth for local businesses. These accounts are designed to provide competitive returns while ensuring essential liquidity for daily operations. Tailored to suit businesses of all sizes, they offer a flexible and profitable way to manage your financial reserves. Whether you're a small startup or an established enterprise, FNCB Bank's Business Savings Accounts are a smart choice for managing and growing your business finances. Visit one of our 16 locations across Northeastern Pennsylvania (Scranton, Dunmore, Wilkes-Barre, Hazleton, etc) to open an account today.

Simply Statement Savings Account

This account pays a competitive interest rate according to a tiered variable rate schedule: The higher your balance, the more interest you’ll earn.

  • $25 minimum deposit to open
  • Tiered Variable Interest Rate
  • Account earns interest with a balance of $300 and over
  • $5 if balance falls below $300 any day of the cycle
  • Easy access through an ATM
  • Combined statements are available


Business Certificate of Deposits (CD) in Pennsylvania

FNCB Bank offers great rates on Business certificates of deposits (CDs) across our 16 locations in Northeastern Pennsylvania. For more information, view our individual CD accounts or click one of the links below.

Business CDs Comparison Chart

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

Compare Accounts

Type of Account

Minimum To Open


Interest Rate

Why Choose This Account

Fixed Rate CD


Range From 3 months to 5 years

View Rates

Account offers a guaranteed fixed rate for the term of the CD.

Add On CD


1 year

View Rates

Additional deposits ($50 minimum) may be made to this account.

Fixed Rate CD

Your business will receive a guaranteed fixed interest rate on savings for the term of this CD, which ranges from three months to five years. Minimum deposit amount is $1,000.00.

  • Wide variety of terms.
  • Account offers a guaranteed fixed rate for the term of the CD.
  • Interest compounds quarterly.
  • Interest can be credited to the CD or to a FNCB checking or savings account or paid by check.
  • The certificate is automatically renewable.

Add On CD

With this option, you can make additional deposits to your Fixed Rate CD. The term of the CD is 12 months, and additional deposits receive a guaranteed fixed rate for the term of the CD.

  • Twelve month term with a minimum deposit of $500.00.
  • Additional deposits must be a minimum of $50.00.
  • Account offers a guaranteed fixed rate for the term of the CD.
  • Interest compounds quarterly.
  • Interest disposition is a quarterly credit to the CD.
  • The certificate is automatically renewable.


CDARS® is one of the safest and smartest investment vehicles for investors looking to protect their large-dollar investments while earning CD-level returns that may compare favorably to Treasury and money-market-fund yields.

CDs placed through CDARS offer investors (including institutional investors, such as corporations, foundations, and endowments):

  • Access to multi-million-dollar FDIC insurance;
  • The ease of working through one trusted relationship, earning one rate per maturity, and receiving consolidated statements;
  • The ability to forego ongoing collateral tracking;
  • The power of daily compounding; and
  • A finite maturity date (in contrast to auction-rate or some adjustable-rate securities).

Investing through CDARS can be a strong alternative to Treasuries. Like Treasuries, FDIC insurance is backed by the full faith and credit of the U.S. government.

For more information visit our CDARS website.

Call 1-877-879-3622, contact a commercial lender or visit the FNCB community office closest to you to learn more!


Open a Business Savings Account or a Certificate of Deposit for Your Business Today

Choose FNCB Bank today to open your Business Savings Account or Certificate of Deposit and take a proactive step towards securing and growing your business's financial future in Pennsylvania. FNCB Bank's tailored solutions offer competitive interest rates and combine liquidity for daily operations with the stability of low-risk investment options. Their Business Savings Accounts and CDs, secured by FDIC insurance, provide a safe and stable platform for your investments. By partnering with FNCB Bank, you’re aligning with a community-focused institution that prioritizes personalized and efficient banking services.

Visit one of our 16 locations across Northeastern Pennsylvania today to start your journey towards saving for your business, or call us at 1-877-879-3622.

Our Mission: To make your banking experience simply better.

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