FNC Bank offers comprehensive business checking accounts designed to meet the unique financial needs of small businesses. Whether you're a budding startup or a well-established corporation, leverage tailored solutions designed for businesses like yours.
Essential Checking for Business
An Essential Checking account offers business owners a versatile solution to effectively manage their finances—from standard transactions to robust cash management tools. With no minimum balance and no monthly service charge, this account is designed to make managing your business finances simple and stress-free.
- No minimum balance
- No monthly service charge
- First 50 written checks and 50 deposited checks free each month2
Power Checking for Business
Power Checking is an elevated checking solution designed for business owners that desire more. This account offers interest earnings along with enhanced check writing and deposit capabilities. It's the financial partner that works as hard as you do.
- Earns interest1
- $2,500 minimum balance
- No monthly service charge if minimum balance is maintained. $10 monthly service charge if the balance drops below the minimum any day during the month
- First 100 written checks and 100 deposited checks free each month2
Business Checking Account Features
All business checking accounts with FNC Bank offer the following features:
- Access to approximately 40,000 convenient surcharge-free ATMs nationwide
- Free Mastercard® debit card(s) with secure EMV chip
- Free electronic statements3
- Free online banking with Bill Pay for efficient person-to-person or business-to-business payments
- Free mobile banking with mobile check deposit
- Real-time transaction and account balance alerts
- Debit card management and protection alerts
- ACH service4 for payroll direct deposits and payment processing available upon request
- Remote Deposit Capture (RDC)4 for bulk check processing available upon request
- Merchant services enabling businesses to accept electronic payments
- Wire transfers of funds domestically or internationally
- Positive Pay swiftly verifying each check’s authenticity
- 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
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.
2A fee of $0.25 applies per check written or deposited beyond the number included in this account.
3If paper statements are preferred, there is a fee of $5 per statement.
4Fees may apply.
Check out these available business features!
What our customers are saying
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
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
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.Christine
I appreciate that FNCB keeps up with all the current technology.Kathryn
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
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
(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
The best bank I have ever used. Everyone is has been so kind and helpful!Lisa
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
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
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
(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
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
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!Richard
Small town service with a smile, big city offerings!Patty
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
