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Personal Checking Accounts Comparison Chart

Use the chart below to compare the different checking accounts offered by FNCB 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
Wow Maximum Earnings (ME) $25 None Yes, tiered rate Earn 2.00% APY on balances up to $10,000 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 2% cash back on your FNCB Debit Card purchases up to $300.00.
Senior Account (for +55) $25 None Yes Interest bearing account with no monthly fees.
Simply Free Checking $25 None No No monthly service fees and no minimum balance requirements
Student Checking $25 None No No minimum balance and nationwide ATM fee refunds up to $7.50
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.
NOW $25 $10 - No charge if a daily balance of $1,500 is maintained. Yes Unlimited check writing and the account pays interest.
Workplace Banking Account $25 None Yes With the direct deposit of your paycheck, this account will earn interest with no monthly fees.
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.
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