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Why choose FNC Bank

FNC Bank is a locally-owned third generation community bank offering a full range of personal and business banking services. For more than 100 years, we have proudly supported local businesses and residents in achieving their financial objectives.

As a community bank, we are committed to delivering outstanding service, providing trusted financial advice, and building meaningful relationships for the betterment of our customers and the broader community. But don’t just take our word for it, our Google reviews and testimonials say it all.

What our customers are saying

I appreciate that FNCB keeps up with all the current technology.
Kathryn
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!
Richard
Have been extremely happy for the past 32 years as a customer.
James
Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.
Deborah
(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.
Mindy
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.
Shawn
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
Small town service with a smile, big city offerings!
Patty
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.
Jean
Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!
Kate
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
This is the best bank ever! I love you guys for all you've done for me over the years!
Jennifer
Always treated as family with every interaction!
Byron
(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.
Tiffany
So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud.  Customer service reps in both situations were wonderful.
Jamie
I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!
Cory
I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.
Christyl
We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.
Arthur

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  • When Tech Makes Community Banking Better

    Every business looks for opportunities to streamline the way it does business, whether that be reviewing its product options, examining how its staff works, or re-evaluating how it connects with its customers. Manufacturing firms which engineer and refine highly technical products depend on having the latest and greatest equipment so they can produce state-of-the-art products for business consumers who demand nothing but the very best for their own enterprises.
    Read More about When Tech Makes Community Banking Better
  • 4 Common Credit Myths Debunked

    Your credit score is one of the most important numbers in your financial life. It can affect your ability to get a loan, secure the best interest rates, and even influence job opportunities. Despite its importance, credit is often misunderstood—leading to myths that can hurt your financial wellness.
    Read More about 4 Common Credit Myths Debunked
  • Is 2026 the Year You Finally Buy a Home?

    For the past few years, many potential homebuyers have found themselves in a holding pattern. You might have watched from the sidelines as interest rates fluctuated and inventory vanished, wondering when the right moment to jump in would finally arrive. If you have been waiting for the clouds to part, we have good news: the forecast for 2026 looks significantly brighter.
    Read More about Is 2026 the Year You Finally Buy a Home?

Community Minded

At FNC Bank, we are committed to serving our local community.

580 Youth
touched by our financial literacy presentations in 2025.
81 Causes
supported through community outreach programs in 2025.
148 Grants
provided since launching our grant program in 2020.
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