Business Checking Accounts

Small Business Checking

This account is perfect for many small and growing businesses that just need simple, no-frills checking. There are no monthly maintenance fees or minimum balance requirements, and free FNCB Online and Bill Payment is also included.

• No monthly maintenance fee
• No minimum balance requirement
• Free Small Business FNCB Online and Bill Payment
• Activity on the account is free of charge, if it is a combination of 500 or less checks deposited/paid or ACH debits/credits per statement cycle.
• FNCB Business Debit Card Learn More.
• Online statements and check images
• Free Overdraft Protection if processed through another FNCB deposit account

Simply Small Business Package

This comprehensive package of services includes small business checking and a host of other services and benefits, including:

• No Cash Deposit Fees!
• No Fee Transactions!
• No monthly Maintenance Fees!
• Nationwide ATM Fees refunded!*
• Small Business Checking
• No Fee Small Business Online Banking
• No Fee Small Business Check Card
• No Fee NOW Account to signers
• FNCB Account Link
• Free Professional investment analysis
• Save up to $500 on Commercial Loan fees
• New accounts receive $75 off first check order

Simply Small Business Package Plus

The Simply Small Business Package Plus includes all of the features and benefits of our Simply Small Business Checking account Plus:

• Remote Deposit Capture Preferred Pricing
• Merchant Services Preferred Pricing
• FNCB local on-site table events
• Workplace banking for employees

Simply Small Business Plus package is available to accounts maintaining an average monthly balance of $20,000.00. Balances below $20,000 will be charged a low monthly $50.00 fee.

Business Checking

This account is designed for companies that carry large checking account balances. It provides an earnings allowance credit to help offset monthly service charges.

• FNCB Business Online (includes Bill Payment and ACH Origination services)
  • 10 Accounts or less - $35.00 per month
  • 11 Accounts or more - $60.00 per month
• FNCB Business Debit Card Learn More.
• Earning Credit Allowance can be used to offset most fees, including the following eligible fees:
  • $0.15 per deposited item
  • $0.18 per check paid
  • $0.25 per deposit ticket processed
  • $0.10 per ACH transaction processed
• Online statements and check images
• FNCB Remote Deposit Capture is available. Learn More.
• Cash Management/Sweep services available

NOW

Earn a competitive interest rate and enjoy unlimited check-writing privileges with FNCB’s NOW Checking Account. You’ll also enjoy a wide range of free services with this account.

(Please note that not all business entities are eligible for this account. Check with one of our conveniently located branch offices for eligibility requirements).

• Interest bearing
• Unlimited check writing
• Free Small Business FNCB Online and Bill Payment
• FNCB Business Debit Card
• Free Checks (limited styles available)
• Overdraft protection available

Optimum Money Market

This account offers check-writing privileges in addition to paying competitive interest rates according to a tiered variable rate schedule.

• Free FNCB Online and FNCB Online Bill Payment
• Tiered Variable Interest Rate
• Free FNCB Check Card (upon approval)
• Combined statements available

IOLTA

IOLTA (Interest on Lawyers' Trust Account) checking accounts are available for attorneys and law firms who maintain funds held in trust or escrow on behalf of a third party. Qualified interest earned is forwarded by FNCB to the Pennsylvania IOLTA board to fund legal expenses for those who are unable to afford legal services, and other justice related projects of the board.

• Competitive interest rate is paid on all collected balances
• Unlimited check writing
• No monthly service charge if a daily ledger balance of $1,500 is maintained. If balance falls below $1,500, then a $10 monthly fee will apply.
• FDIC Insured