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Online Banking

Wow ME (Maximum Earnings) High-Yield Checking Account

Welcome to a world where your online checking account does more than just store your money. Introducing the Wow ME (Maximum Earnings) High-Yield Checking Account – a revolutionary approach to everyday banking that rewards you with up to 5.00% APY*! Say hello to an online interest-bearing checking account that helps make money for you with FNCB Bank! Available to residents of Pennsylvania, New York, and New Jersey today.



​​Wow ME Online Checking Account Features

Unmatched High-Interest Earnings

  • Earn up to 5.00% APY* on balances up to $5,000.
  • Enjoy a sliding scale of interest from 5.00% to 0.45% APY* on balances over $5,000.
  • Still, earn a base rate of 0.01% APY* even if qualifications aren't met.

Seamless Savings Growth

  • Link your account to a free Wow Saver Account.
  • Watch your savings flourish with automatic transfers of your Wow ME rewards.

Convenience at Your Fingertips

  • No minimum balance is required to earn rewards.
  • Zero monthly maintenance service charges.
  • free online and telephone banking services or our free banking app!
  • Free debit card with access to over 55,000 surcharge-free ATMs on the Allpoint Network.
  • Open your online checking account from home- no need to visit a branch.
  • Overdraft protection
  • Effortlessly send money with Zelle®.



Earning Interest Has Never Been Easier

To earn your Wow ME rewards, simply ensure your account has the following activities and transactions in your Wow ME Checking account each monthly qualification cycle:

  • Have at least 15 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.

Even if you don't meet these criteria in a given month, your Wow ME account remains free, and you'll still earn our base rate of interest. Plus, you can get back to earning full rewards the very next cycle!

Ready to make the switch to smarter banking? Apply for your Wow ME Checking Account online today!

Apply Now And Transform Your Banking Experience


A Commitment to Convenience

Our Wow ME Checking Account is designed not only to maximize your earnings but also to bring convenience and security to your financial life. With our user-friendly online and mobile banking platforms, managing your finances has never been easier or more secure.

Whether you're paying bills, transferring funds, or simply checking your balance, do it with the confidence that comes from banking with a community-focused institution. Join us at FNCB, where your financial growth and community well-being go hand in hand.

Questions? We're Here to Help!

For more information or personalized assistance, please call us at 1-877-879-3622 or visit the nearest FNCB Community Branch across 16 locations in Northeastern Pennsylvania. Our team is dedicated to providing you with the best banking experience.

*APY=Annual Percentage Yield is accurate as of 8/1/2023. 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 15 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. For Wow ME Checking, if qualifications are met each monthly qualification cycle: (1) balances up to $5,000 receive an APY of 5.00%; and (2) balances over $5,000 earn 0.25% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% 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. Limit one account per Social Security Number.

Our Mission: To make your banking experience simple better.

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