A personal checking account is a fundamental banking product for most people. But not everyone's checking account needs are the same. Some people simply need a basic, no-frills checking account at the lowest cost, while others want to earn interest or cash back on their checking account funds or debit card purchases. Here at FNCB, we offer a wide range of different kinds of checking accounts to meet every need. This is one more reason why we're simply a better bank.
Click to see a comparison chart of the Checking Accounts that we offer.
Relationship Checking is a simply better banking experience that will make you fall in love with your bank.
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Wow Maximum Earnings (Wow ME) offers free checking with high interest up to 2.00% 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:
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:
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!
*APY=Annual Percentage Yield is accurate as of 4/01/2019. 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 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" 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.
¹To 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.
This account pays 2% cash back on all FNCB Debit Card purchases up to $300 and there is no monthly maintenance service charge.
Cash Back rewards will be paid for each qualification cycle in which these three requirements are met:
Cash back rewards will be equal to 2% of
your total debit card transactions up to a maximum
of $300.00 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.
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.
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.
FNCB Student Checking is designed for students 14-25 years of age, or those still enrolled in school, and features nationwide ATM fee refunds plus easy mobile and online account access. It's the perfect account to take with you, no matter where you go to school.
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.
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.
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.
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.