Simple Savings
Make savings easy with a simple savings account.
- Earns interest1
- $50 minimum balance
- No monthly service charge if monthly minimum balance is maintained each day during the month
- $1 monthly service charge if the balance drops below the minimum
- Free statements
Savvy Savings
Level up your savings with a high-interest savings account.
- Earns higher interest1
- $2,500 minimum balance
- No monthly service charge if monthly minimum balance is maintained each day during the month
- $5 monthly service charge if the balance drops below the minimum
- Free statements
Minor Savings
Introduce youth to their savings potential and watch them grow.
- Earn 3.00% APY on first $1,0002
- For customers ages 0-174
- Little Nesters Club incentives offered to ages 0-12
- No minimum balance
- No monthly service charge
- Free statements
Money Market Savings For Consumers
Maximize savings with a tiered interest money market account.
- Earns interest on tiered balances1. The more you save, the more you earn!
- Access to your funds at any time
- $1,000 minimum balance
- No monthly service charge if monthly minimum balance is maintained each day during the month
- $7 monthly service charge if the balance drops below the minimum
- Six free withdrawals each month3
- Check writing capability
- Free statements
Performance Money Market Savings For Consumers
Take your interest to the max with a performance money market account.
- Earns higher interest on tiered balances1. The more you save, the more you earn!
- Access to your funds at any time
- $25,000 minimum balance
- No monthly service charge if monthly minimum balance is maintained each day during the month
- $10 monthly service charge if the balance drops below the minimum
- Six free withdrawals each month3
- Check writing capability
- Free statements
Personal Savings Account Features
All personal savings accounts with FNC Bank offer the following advantages:
- Safe way to save money without investment market risks
- Access to your full balance at any time – no minimum investment period/term
- Free online banking and mobile banking
- Convenient mobile check deposit
- Free statements
- Real-time transaction and account balance alerts
- Reliability. We have been a strong, locally-owned community bank for over 100 years, with third-generation family ownership
- Efficient and personalized service. Our decision-makers are in-house, enabling fast turnaround times and the personal attention to your banking needs that our customers have come to appreciate
Interested in a Health Savings Account? An HSA is a tax-advantaged savings account that allows individuals or employees with a high-deductible health plan to save money for medical expenses. Learn more about our Health Savings Accounts.
Disclaimer
1Contact a banker for today’s rates or review our current rate sheet. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.
2Account balances up to $1,000 earn an APY of 3.00% with an interest rate of 2.96%. Balances over $1,000 earn an APY of 0.05%. Effective as of 06/03/24. APY = Annual Percentage Yield. Interest rates are subject to change after the account is opened. Fees may reduce earnings.
3A fee of $6 per withdrawal if exceeds six withdrawals in a month. Withdrawals include: Check, Preauthorized or Automatic (ACH), online, sweep, or telephone transfers, debit card or similar order including POS (point of sale) or ATM (Automated Teller Machine).
4When the accountholder turns age 18 the account will convert to a Simple Savings account.
Check out these available features!
What our customers are saying
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
The best bank I have ever used. Everyone is has been so kind and helpful!Lisa
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
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
(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
This is the best bank ever! I love you guys for all you've done for me over the years!Jennifer
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.Christine
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
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
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
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
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
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!Richard
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!Doreen
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!Auir
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 appreciate that FNCB keeps up with all the current technology.Kathryn
Have been extremely happy for the past 32 years as a customer.James
Small town service with a smile, big city offerings!Patty
