Sometimes we all could use a helping hand. FNC Bank offers checking account services that do just that. Be prepared for unexpected overdrafts by utilizing sweep accounts or FNC Bank’s Be Wise overdraft privilege.
Rest easy knowing we’ve got your back. Contact 715-246-6901 to get started.
Be Wise Overdraft Privilege
Gain peace of mind with FNC Bank’s Be Wise Overdraft Privilege. Tied to your checking account, Be Wise is a safety net for those unexpected times your checking account falls below your available balance. We’ve all been there – times you may have miscalculated your balance and inadvertently debited beyond your available funds. Avoid missing those important transactions with Be Wise Overdraft Privilege. This overdraft privilege uses your available limit to cover checks and other transactions made using your checking account number even if your account lacks funds.*
Contact a Personal Banker to learn the benefits to having Be Wise Overdraft Privilege on your FNC Bank checking account.
*Some exclusions apply. The first time each transaction draws the account negative will incur a Be Wise Items Paid Charge. Be Wise is a privilege and may be revoked at any time. Limit varies based on account type. Be Wise Overdraft Privilege transfers in increments determined by FNC Bank. Please click the link below or Contact a Personal Banker for more information.
Sweeps allow FNC Bank accountholders to automatically “sweep” funds from their savings account into their checking account seamlessly to avoid falling negative on the checking account. With a sweep on your account, you may avoid overdraft fees or declining transactions if your checking account should happen to fall to the negative.
Here’s how it works. Accountholders with an FNC Bank checking account and an FNC Bank savings account can set up a sweep. This allows the bank to “sweep” (transfer) funds from your savings account to cover any negative balance on your checking account up to a specified limit.*
Don’t get caught without funds to cover a checking transaction. Contact a Personal Banker to discover if a sweep is right for you.
*Overdraft fees apply if your combined accounts cannot cover the negative balance. Limit varies based on accountholder qualification. Sweeps transfer in increments determined by FNC Bank. Contact a Personal Banker for more information.
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
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
Always treated as family with every interaction!
Byron
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
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
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
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
Have been extremely happy for the past 32 years as a customer.
James
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
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
Small town service with a smile, big city offerings!
Patty
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
I appreciate that FNCB keeps up with all the current technology.
Kathryn
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
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!
