In today's world, opening a checking account is essential for everyday life and provides a safer, more convenient alternative to carrying cash. At FNC Bank, we offer a range of checking solutions to suit your needs, whether you're a first-time account holder or seeking advanced features such as rewards and higher interest rates. Experience the benefits of an FNC Bank checking account and make managing your finances easier than ever.
Carefree Checking
No added bells and whistles – just straight up great checking. FNC Bank Carefree Checking offers customers a simple and convenient way to manage their money.
- No minimum balance required
- No monthly service charge
- Free statements
Want to earn interest on your checking account? Explore our Wise Rewards Checking or Elevate Checking accounts!
Wise Rewards Checking
This is not your standard checking account. With FNC Bank’s Wise Rewards account, you’ll earn interest worth celebrating. Make a wise choice and reap the rewards!
- Earn 1.25% APY on the first $15,000 and 0.10% APY on balances above $15,0001
- Up to $25/month reimbursed ATM fees3
- No minimum balance required
- No monthly service charge
- Free statements
Account Qualifications:
- At least one automatic (ACH) deposit or withdrawal per cycle
- At least ten (10) debit card purchases per cycle4
- Enroll & receive electronic statements each cycle
Elevate Checking
Ready to elevate your earnings potential? Experience a checking account like no other―with a high rate of interest. Say goodbye to the ordinary and embrace the extraordinary.
- Earn 3.00% APY on the first $3,000 and 0.10% APY on balances above $3,0002
- Up to $25/month reimbursed ATM fees3
- No minimum balance required
- No monthly service charge
- Free statements
Account Qualifications:
- At least one automatic (ACH) deposit or withdrawal per cycle
- At least fifteen (15) debit card purchases per cycle4
- Enroll & receive electronic statements each cycle
Personal Checking Account Features
All personal checking accounts with FNC Bank offer the following advantages:
- Access to approximately 40,000 convenient surcharge-free MoneyPass® ATMs nationwide
- Free Mastercard® debit card(s) with secure EMV chip
- Free statements
- Free online banking and mobile banking
- Convenient mobile check deposit
- Bill Pay for efficient person-to-person or person-to-business payments
- Real-time transaction and account balance alerts
- Debit card management and protection alerts
- Option to set up a sweep account
- 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
APY=Annual Percentage Yield. Interest rates are subject to change after account is opened. Fees may reduce earnings. Offer valid as of 3/14/24.
1Account must meet all qualifications and be in good standing.
Balances up to $15,000 and meeting qualifications earn an APY of 1.25% with an interest rate of 1.24%.
Balances over $15,000 and meeting qualifications earn an APY of 0.10%.
Accounts that do not meet qualifications earn 0.05% APY.
2Account must meet all qualifications and be in good standing.
Balances up to $3,000 and meeting qualifications earn an APY of 3.00% with an interest rate of 2.96%.
Balances over $3,000 and meeting qualifications earn an APY of 0.10%.
Accounts that do not meet qualifications earn 0% APY.
3Monthly qualifications must be met. ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 and credited to the account on the last day of the monthly statement cycle. MoneyPass network ATMs are available for instant surcharge-free access.
4Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and clear the account. "Monthly Qualification Cycle" means the first day of the current statement cycle through the last day of the current statement cycle. ATM transactions are not qualifying debit card transactions.
Wise Rewards Checking & Elevate Checking are available to personal accounts only. Limit one Wise Rewards Checking and one Elevate Checking account per Social Security Number.
Check out these available features!
What our customers are saying
Have been extremely happy for the past 32 years as a customer.James
I appreciate that FNCB keeps up with all the current technology.Kathryn
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.Christine
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
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
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
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
(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
Always treated as family with every interaction!Byron
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!Richard
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
(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
The best bank I have ever used. Everyone is has been so kind and helpful!Lisa
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
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
This is the best bank ever! I love you guys for all you've done for me over the years!Jennifer
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
