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Wow Maximum Earnings (ME)

Wow Maximum Earnings (Wow ME) offers free checking with high interest up to 2.00% APY!1 When compared to other banks, the FNCB yearly Advantage is $280.38!1,2

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:
  • 2.00% APY1 on balances up to $10,000
  • 2.00% to 0.50% APY paid on balances over $10,000 depending on balance in account1
  • 0.01% APY1 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 service fee
  • Receive an extra 0.125% discount off our already low fixed rates on Wow Mortgages and Home Equity Term loans.3
  • Qualify for a low introductory rate on a Home Equity Line of Credit.
  • Free online banking
  • Free mobile banking
  • Free telephone banking
  • Free MasterCard® debit card

Earning Rewards Is Easy!

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 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!


1APY=Annual Percentage Yield is accurate as of 12/01/2017. 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 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 $10,000 receive an APY of 2.00%; and (2) balances over $10,000 earn 0.35% interest rate on the portion of the balance over $10,000, resulting in a range from 2.00% to 0.50% APY depending on the balance. This range assumes a $10,000.01 - $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" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current 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. Interest will be transferred to Wow Saver on the first business day following the end of statement cycle. 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.

2National Average data based on Bankrate.com's 2015 Checking Survey with average yield on interest checking account of 0.05% and average monthly service fee of $15.24.

3To be eligible for an additional 0.125% discount, loan payments must be auto drafted from Wow Maximum Earnings Checking account. Specific underwriting criteria must be met including a minimum credit score of 720. Loans are subject to credit approval.


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