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Online Banking

Grow Your Money With Our High-Yield Online Savings Account

Unlock the full potential of your savings with FNCB Bank's High-Yield Online Savings Account. Exclusively available to Pennsylvania, New York, and New Jersey residents, this account offers a seamless online and mobile banking experience with 4.30% APY1. With competitive interest rates 9x than the national average and a low minimum balance requirement, you can open your account in minutes and start growing your wealth like never before. Experience the perfect blend of convenience, security, and profitability at your fingertips.



Tailored Savings for Tri-State Residents: Pennsylvania, New York, and New Jersey

At FNCB Bank, we take pride in serving the unique financial needs of our local communities. That's why our High-Yield Online Savings Account is exclusively available to residents of Pennsylvania, New York, and New Jersey. Whether you're a young professional in Manhattan, a family in the Poconos, or a retiree along the Jersey Shore, this account is designed with you in mind. By focusing on the tri-state area, we're able to offer a more personalized banking experience that understands the economic landscape and opportunities specific to these states. Our commitment to relationship banking ensures that you're not just another account number; you're a valued member of the FNCB Bank community. Take advantage of this high-yield savings and become a part of FNCB Bank's growing community today.


Features of Our Online Savings Account

Competitive High-Yield Interest Rate:

4.30% APY1

Minimum Balance to Earn APY:


Online Transaction Fees

None! Enjoy the freedom of conducting unlimited online transactions without the burden of any additional fees, making your banking experience with FNCB Bank's High-Yield Online Savings Account cost-effective.

Open Your Account in Minutes

Experience the convenience of quick and hassle-free account setup, allowing you to open your High-Yield Online Savings Account with FNCB Bank in just minutes so you can start maximizing your savings today.

24/7 Easy Access

Easy access to your account through Zelle or transfers to a checking account. Experience a seamless online or mobile banking experience when you apply for both an online savings account and a checking account.

9X the National Average Interest Rate2

Earn 9X the national average with an FNCB Bank online savings account.

FDIC Insured

The FDIC federally insures your online savings account funds up to $250,000.

Seamless Online & Mobile Banking

With FNCB Bank's intuitive mobile app and user-friendly online banking platform, enjoy a seamless banking experience that puts complete control of your High-Yield Online Savings Account right at your fingertips, anytime and anywhere.

Deposit Funds with Ease

Simplify your savings journey by connecting your existing bank accounts and debit cards to your FNCB Bank High-Yield Online Savings Account, enabling effortless transfers that make depositing funds a seamless and convenient process.

Open an Account 

Need to talk?

You can speak with one of our friendly customer service representatives by calling us at 1-877-879-3622:

Monday-Friday, 8:30 a.m. – 5:00 p.m. (EST)
Saturday, 9:00 a.m. - 12:00 p.m. (EST)



1Minimum average daily balance to earn Annual Percentage Yield (APY) is $300. Free monthly statement delivered electronically. If a paper statement is requested, there will be a $5.00 monthly charge. Rate is effective as of 9/8/23. This rate is variable and may change after account is opened. Fees may reduce earnings. Location restrictions may apply. Must be opened online, cannot be opened at FNCB Bank Community Offices.

2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC Weekly National Rates and Rate Caps, accurate as of September 18, 2023.

Our Mission: To make your banking experience simply better.

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