Online Banking

Personal Checking Accounts

We offer a wide range of checking accounts to meet every need.

 

Personal Checking Accounts Comparison Chart

Use the chart below to compare the different 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

Minimum to Open

Monthly Maintenance Service Charge

Interest

Why Choose This Account

Compare Accounts

Relationship Checking

$25

$20 if qualifications not met

Yes

Earn interest and get preferred rates on CDs and Money Markets.

Wow Maximum Earnings (ME)

$25

None

Yes, tiered rate

Earn 2.50% APY* on balances up to $5,000 when qualifications are met.

Wow Cashback Checking

$25

None. A Disqualification Fee of $5.00 applies each statement cycle that eligibility requirements are not met.

No

Earn 3% cash back on your FNCB Debit Card purchases up to $200.00.

Senior Checking (for +55)

$25

None

Yes

Interest bearing account with no monthly fees.

Simply Basic Checking

$25

None

No

No monthly maintenance service fees and no minimum balance requirements.

Student Checking

$25

None

No

No minimum balance

NOW Checking

$25

$10 - No charge if a daily balance of $1,500 is maintained.

Yes

Unlimited check writing and the account pays interest.

Relationship Money Market

$25

$12.50 if balance falls below $2,500 any day of the statement cycle.

Yes

Earns higher rates for higher balances.

Simply Money Market Account

$25

$12.50 if balance falls below $2,500 any day of the statement cycle.

Yes, tiered rate structure.

Earns interest with higher returns on higher balances.

Opportunity Checking

$10

$5.00 with monthly direct deposit.

$10.00 without monthly direct deposit.

$5.00 if paper statement is requested.

No

We believe in second chances. Opportunity Checking is designed to give you a fresh start from past financial mistakes, and a chance to rebuild your credit.

Relationship Checking

Relationship Checking is a simply better banking experience that will make you fall in love with your bank.

We’ll have you at hello.

  • Earn interest on your account balance
  • Preferred rates on certificates of deposit & money markets
  • $100 closing cost refund

The benefits of being in a relationship.

  • FREE debit card
  • FREE online or paper statements
  • FREE money orders and cashier checks (limit 1 per month)
  • FREE stop payments
  • FREE combined statements
  • FREE first order of checks
  • No FNCB fees at non-network ATMs
  • Unlimited check writing
  • FREE FNCB Wealth Management Services financial consultation

Relationships on the go.

  • Free Online Banking and Bill Pay
  • Free Mobile Banking and Mobile Deposit
  • Three free Popmoney transactions every 30 days

Requirements

  • Minimum deposit to open is $25.00
  • We have four easy ways to avoid the $20 monthly maintenance service charge, simply (1.) Maintain a daily balance of $10,000.00 (OR) (2.) Maintain a daily balance of $5,000 and direct deposits of $1,000 or greater each statement cycle (OR) (3.) Have at least 12 debit card purchases and direct deposits totaling $1,000 or greater each statement cycle (OR) (4.) Have combined outstanding (consumer and mortgage) loan balance of $50,000.00 or greater.

Wow Maximum Earnings (ME)

Wow Maximum Earnings (Wow ME) offers free checking with high interest up to 2.50% APY!* Wow ME Checking is different in a good way, with more rewards, more convenience, and more of what you really want.

Earning your rewards is simple. Plus, you can link your Wow ME checking account to a free Wow Saver account to watch your savings grow automatically. Wow.

Wow ME Checking includes:

  • 2.50% APY* on balances up to $5,000
  • 2.50% to 0.44% APY paid on balances over $5,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Link to the free Wow Saver account and have your Wow ME rewards transferred automatically!
  • No minimum balance to earn rewards
  • No monthly maintenance service charge
  • Free online banking
  • Free mobile banking
  • Free telephone banking
  • Free MasterCard® debit card

Earning Rewards Is Easy!

To earn your rewards, simply do a few easy things that you're probably already doing. To earn your rewards, simply do the following activities and transactions in your Wow ME Checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases of $5.00 or more post and settle
  • Enroll and receive online statements in place of paper statements
  • Have at least one direct deposit, automatic payment (ACH) or BillPay

That’s really it. And even if you don't meet your qualifications, your Wow ME account is still free — plus you'll still earn our base rate of interest! And you can get right back to earning your rewards the very next month!

Call 1-877-TRY-FNCB (1-877-879-3622) or find the FNCB Community Office closest to you to learn more about our Wow ME Checking account!

Apply Now

*APY=Annual Percentage Yield is accurate as of 11/06/2019. Rates are variable and subject to change after account is opened. Minimum to open is $25 for Wow Maximum Earnings (Wow ME) Checking and $25 for Wow Saver. Wow ME Checking rewards will be paid each month in which a customer has: (1.) a minimum of 12 debit card purchases of $5.00 or more post and settle, (2.) monthly account statement delivered electronically through Online Banking in place of paper statements and (3.) at least one Direct Deposit, Automatic Payment (ACH) or Online Bill Payment transaction through FNCB Online Bill Pay post to the account and clear. For Wow ME Checking, if qualifications are met each monthly qualification cycle: (1) balances up to $5,000 receive an APY of 2.50%; and (2) balances over $5,000 earn 0.35% interest rate on the portion of the balance over $5,000, resulting in a range from 2.50% to 0.44% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted. If qualifications are not met in the account, all balances earn 0.01 % APY. Qualifying transactions must post to and settle to the Wow ME Checking account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" begins on the first day of the Statement Cycle and ends on the last day of the Statement Cycle. The advertised Wow ME Checking APY is based on compounding interest. If the Wow ME Checking account is linked to a Wow Saver account, interest earned in Wow ME Checking account is automatically transferred to Wow Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Wow ME Checking APY. The Wow Saver APYs may be less than Wow ME Checking APYs. Limit one account per Social Security Number.

Wow Cashback

This account pays 3% cash back on all FNCB Debit Card purchases up to $200 and there is no monthly maintenance service charge.

  • Link to the free Wow Saver account and have your Wow ME rewards transferred automatically!
  • Unlimited check writing and no monthly maintenance service charge
  • Free FNCBOnline and FNCBOnline Bill Payment
  • Free Safe Deposit Box for one year (based upon availability)
  • Free FNCB Debit Card (upon approval)
  • One free introductory pack of checks

Cash Back rewards will be paid for each qualification cycle in which these three requirements are met:

  • Have at least 12 debit card purchases post and settle
  • Enroll and receive online statements in place of paper statements
  • Have at least one direct deposit, automatic payment (ACH) or BillPay

Apply Now

Cash back rewards will be equal to 3% of your total debit card transactions up to a maximum of $200.00 in transactions per qualification cycle. The maximum monthly cash reward is $6.00.

If you do not meet the eligibility requirements during a qualification cycle, you will not earn cash rewards for that cycle. You will remain eligible for rewards in the next qualification cycle. Accounts that do not meet the required qualifications will be assessed a $5.00 disqualification fee for the statement cycle.

Senior Checking

If you are 55 years of age or older, this could be the right checking account for you. You'll receive unlimited check-writing privileges, pay no monthly maintenance service charge, and enjoy a wide range of free services.

  • Interest bearing
  • Unlimited check writing and no monthly maintenance service charge
  • No minimum balance requirements
  • Free FNCB Online and FNCB Online Bill Payment
  • Free Checks (limited styles available)
  • Free Official Bank Checks
  • Free Safe Deposit Box for one year (based upon availability)
  • Free FNCB Debit Card (upon approval)
  • Combined statements available
  • Free paper statements

Apply Now

Simply Basic Checking

Just as the name implies, this is a basic, no-frills checking account. There's no minimum balance requirement or monthly maintenance service charge and you'll enjoy unlimited check writing.

  • No minimum balance requirement
  • Unlimited check writing and no monthly maintenance service charge
  • Free FNCB Online and FNCB Online Bill Payment
  • Free FNCB Debit Card (upon approval)
  • Monthly electronic statement
  • One free introductory pack of checks

Apply Now

Student Checking

FNCB Student Checking is designed for students 14-25 years of age or those still enrolled in school. Plus they receive easy mobile and online account access. It's the perfect account to take with you, no matter where you go to school.

  • No minimum balance requirement
  • FREE Debit Card
  • FREE Mobile App
  • FREE Online Banking
  • FREE Account Alerts
  • FREE Bill Pay
  • Popmoney
  • Mobile Check Deposit

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.

  • Interest bearing
  • Unlimited check writing
  • Free FNCB Online and FNCB Online Bill Payment
  • Free Safe Deposit Box for one year (based upon availability)
  • Free FNCB Debit Card (upon approval)
  • Combined statements available
  • One free introductory pack of checks
  • Monthly statement delivered electronically via FNCB Online

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
  • Tiered Variable Interest Rate
  • Free FNCB Debit Card (upon approval)
  • Combined statements available
  • Monthly statement delivered electronically via FNCB Online

Relationship Money Market

Our tiered interest rates let you earn higher rates for higher balances on your Relationship Money Market Account when you also have an FNCB Bank Relationship Checking Account.

  • Enjoy tiered interest rates that provide a higher return the more you save.
  • Free online banking and BillPay
  • Free FNCB Debit Card (upon approval)
  • Combined statements available
  • Monthly statement delivered electronically via FNCB Online

Opportunity Checking

We believe in second chances. Opportunity Checking is designed to give you a fresh start from past financial mistakes, and a chance to rebuild your credit.

  • Free online and mobile banking with BillPay
  • Free FNCB Debit Card (upon approval)
  • Opportunity to move to a traditional checking account after 12 months
  • Monthly electronic statement
  • One free introductory pack of checks
  • $5.00 fee with monthly direct deposit.
  • $10.00 fee without monthly direct deposit
  • $5.00 fee if paper statement is requested

Welcome to the new FNCB.com!

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