Online Banking

Personal Savings Accounts

FNCB Bank offers a wide range of personal savings accounts to meet your savings goals.

 

Personal Savings Accounts Comparison Chart

Use the chart below to compare the different personal savings 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 Service Fees

Interest

Why Choose This Account

Compare Accounts

Wow Saver

$25

None

Yes, tiered rate

Earn 0.75% APY* on balances up to $25,000 when qualifications are met.

Simply Statement Savings

$25

$3 if balance falls below $300 any day of the month.

Tiered savings account with a premium interest rate that grows with your balance.

Tiered savings account with a premium interest rate that grows with your balance.

Youth Statement Savings (Under 21)

$10

None

Compounded monthly. Minimum collected balance of $0.01 each day to earn interest. 

Teach your child to save.

Holiday/Vacation Clubs

$5

None

Yes

This savings account will help you save for your holiday expenses or your dream vacation.

Wow Saver

Link your Wow Maximum Earnings (Wow ME) Checking or Wow Cashback Checking account to a Wow Saver account and watch your balance grow, no budgeting required. Your Wow ME Checking rewards or Wow Cashback rewards transfer directly to your Wow Saver account!

But it's not just automatic rewards that accelerate the way you save. Top your savings off with high Wow Saver rates and make even more of your money!

Wow Saver Includes:

  • Free, high-interest savings account that builds savings automatically
  • Automatic transfers of Wow ME Checking rewards or Wow Cashback Checking rewards
  • 0.75% APY* on balances up to $25,000
  • 0.75% - 0.42% APY* on portion of balances over $25,000
  • 0.01% APY* on all balances if qualifications are not met on Wow ME Checking or Wow Cashback Checking accounts
  • No minimum balance to earn interest
  • No monthly service fee
  • Free online banking
  • Free mobile banking
  • Free telephone banking

It’s easy to earn our highest rate!

Qualifying for our Wow ME Checking or Wow Cashback Checking rewards automatically qualifies you for the highest Wow Saver rate. Just do the following each monthly qualification cycle on either account:

  • 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.

That’s it! Plus, it's no problem if you miss a qualification cycle. Your account still earns our base interest rate. You can get back to earning your full rewards the very next month you qualify. 

Wow Maximum Earnings Checking with Wow Saver

*APY = Annual Percentage Yield is accurate as of 9/3/2019. Rates are variable and may 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 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 2.75%; and (2) balances over $5,000 earn 0.45% interest rate on the portion of the balance over $5,000, resulting in a range from 2.75% to 0.45% 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. If qualifications in Wow ME Checking are met each monthly qualification cycle: (1) balances up to $25,000 in Wow Saver receive an APY of 0.75%; and (2) balances over $25,000 in Wow Saver earn 0.35% interest rate on portion of balance over $25,000, resulting in a range from 0.75% - 0.42% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted. If qualifications are not met on Wow ME Checking account, all balances in Wow Saver earn 0.01% APY. Wow Saver is only offered with a Wow checking product. Limit one account per Social Security Number.

Wow Cashback Checking with Wow Saver

Minimum to open a Wow Cashback Checking is $25. Wow Cashback Checking rewards will be paid each month in which a customer has: (1.) a minimum of 12 debit card purchases 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. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post and settle to the account during the monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more business days from the date the transaction was made to post and settle to the 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. If you do not meet qualifications, a $5.00 disqualification fee will be assessed for that statement cycle.

*APY = Annual Percentage Yield is accurate as of 9/3/2019. Rates are variable and may change after account is opened. Minimum to open a Wow Saver is $25. If the Wow Cashback Checking account is linked to a Wow Saver account, If qualifications in Wow Cashback Checking are met each monthly qualification cycle: (1) balances up to $25,000 in Wow Saver receive an APY of 0.75%; and (2) balances over $25,000 in Wow Saver earn 0.35% interest rate on the portion of balance over $25,000, resulting in a range from 0.75% - 0.42% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted. If qualifications are not met on Wow Cashback Checking account, all balances in Wow Saver earn 0.01% APY. Wow Saver is only offered with a Wow checking product. Limit one account per Social Security Number.

Simply Statement Savings

With the Simply Statement Savings Account, you benefit from a tiered variable interest schedule. The higher your savings balance, the more interest you can potentially earn.

  • Tiered Variable Interest Rate.
  • Account earns interest with a balance of $300.00 and over.
  • Easy access through an ATM.
  • Combined statements are available.
  • Monthly statement delivered electronically via FNCB Online

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Youth Savings Account

Teach your children the value of saving at an early age by helping them open a Youth Statement Savings Account. These interest-bearing accounts can be opened by anyone who is 21 years old or younger.

  • $10 minimum to open the account
  • Account earns interest with a balance of $0.01
  • Available to individuals 21 years of age and younger
  • Simply Smart Report Card Rewards

Holiday/Vacation Clubs

Save for your vacation in advance with a Holiday Club or Vacation Club Savings Account. The clubs run for a 50-week term and deposits can be made as often as weekly if you choose.

  • The minimum deposit to open the account is $5.00.
  • Weekly payments may be made in any amount you choose.
  • Weekly payments may be auto-drafted from an existing or new deposit account.
  • Clubs run for a 50 week term: Holiday Clubs run from October to October and Vacation Clubs run from April to April.
  • The interest rate is fixed for the term of the club and is only payable at the club maturity.

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