Personal Checking Accounts

A personal checking account is a fundamental banking product for most people. But not everyone’s checking account needs are the same. Some people simply need a basic, no-frills checking account at the lowest cost, while others want to earn interest or cash back on their checking account funds or debit card purchases. Here at FNCB, we offer a wide range of different kinds of checking accounts to meet every need. This is one more reason why we’re simply a better bank.

Click here to see a comparison chart of the Checking Accounts that we offer.

Simply Cashback — Get cash back on Debit/Check Card purchases
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  Simply Cashback
  
  Almost everyone likes getting cash back, so this account pays 1% cash back on all FNCB Debit/Check Card purchases up to $500. It also refunds nationwide ATM fees, and there are no monthly maintenance fees.
  
  Additional Benefits:
  - Unlimited check writing and no monthly service fees
  - No minimum balance requirements
  - Free FNCBOnline and FNCBOnline Bill Payment
  - Free Savings Overdraft Transfers
  - Free Official Bank Checks
  - Free Safe Deposit Box for one year (based upon availability)
  - Free FNCB Check Card (upon approval)
  - One free introductory pack of checks
  Cash Back rewards will be paid for each qualification cycle in which these three requirements are met:
  1. 10 (ten) Debit/Check card transactions are posted to the account and cleared (excluding ATM transactions)
  2. 1 (one) Direct Deposit, Automatic Payment or Online Bill Payment transaction through FNCB Online Bill Pay is posted to the account and cleared
  3. The monthly statement is received electronically via FNCB Online or as an E-Statement
  Cash back rewards will be equal to 1% of your total debit/check card transactions up to a maximum of $500.00 in transactions per qualification cycle. The maximum monthly cash reward is $5.00.
  
  ATM Fees will be refunded up to $15.00 per statement cycle. If you do not meet the eligibility requirements during a qualification cycle, you will not earn cash rewards or receive ATM reimbursements for that cycle. You will remain eligible for rewards in the next qualification cycle.
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Maximum Earnings (ME) — Maximize earnings with no fees
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  Maximum Earnings (ME)
  
  Our ME Account is a free checking account that also pays interest and provides nationwide ATM fee refunds if certain account qualifications are met.
  
  Unlimited check writing and no monthly service fees
  - Free FNCB Online and FNCB Online Bill Payment
  - Free Savings Overdraft Transfers
  - Free Official Bank Checks
  - Free Safe Deposit Box for one year (based upon availability)
  - Free FNCB Check Card (upon approval)
  - ATM Fee Refunds
  - One free introductory pack of checks
  The following account qualifications must be met every qualification cycle, in order to earn the higher rate of interest.
  1. 10 (ten) Debit/Check Card transactions must be posted to your account and cleared, excluding ATM transactions.
  2. Set up 1 (one) monthly recurring Direct Deposit or Automatic Payment or Online Bill Payment from the account.
  3. Receive a monthly Electronic (E) Statement.
  If the account qualifications are met, the account will receive:
  1. A competitive interest rate on balances up to and including $25,000.
  2. ATM Fees will be refunded up to $15.00 per statement cycle.
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Senior Checking — Designed just for seniors
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  Senior Checking
  
  If you are 55 years of age or older, this could be the right checking account for you. You’ll receive unlimited check-writing privileges, pay no monthly service fees, and enjoy a wide range of free services.
  - Interest bearing
  - Unlimited check writing and no monthly service fees
  - No minimum balance requirements
  - Free FNCB Online and FNCB Online Bill Payment
  - Free Checks (limited styles available)
  - Free Savings Overdraft Transfers
  - Free Official Bank Checks
  - Free Safe Deposit Box for one year (based upon availability)
  - Free FNCB Check Card (upon approval)
  - FNCB will not charge for ATM transactions performed at non-FNCB ATMs
  - Combined statements available
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Simply Free Checking — Free, no-frills checking
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  Simply Free Checking
  
  Just as the name implies, this is a simple, no-frills checking account that’s free of charge. There’s no minimum balance requirement or monthly service fee and you’ll enjoy unlimited check writing.
  - No minimum balance requirement
  - Unlimited check writing and no monthly service fee
  - Free FNCB Online and FNCB Online Bill Payment
  - Free FNCB Check Card (upon approval)
  - Monthly electronic statement
  - Free Savings Overdraft Transfers
  - One free introductory pack of checks
- Click Here for Disclosure information

NOW Checking — Earn interest and more
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  NOW Checking
  
  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.
  - Interest bearing
  - Unlimited check writing
  - Free FNCB Online and FNCB Online Bill Payment
  - Free Savings Overdraft Transfers
  - Free Official Bank Checks
  - Free Safe Deposit Box for one year (based upon availability)
  - Free FNCB Check Card (upon approval)
  - FNCB will not charge for ATM transactions performed at non-FNCB ATMs
  - Combined statements available
  - One free introductory pack of checks
- Click Here for Disclosure information

Workplace Banking — Direct deposit and more
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  Workplace Banking
  
  Enjoy the convenience of payroll direct deposit and earn interest on your checking account balances with FNCB’s Workplace Banking Account. You’ll also enjoy unlimited check-writing privileges and pay no monthly service fees.
  - Interest bearing
  - Unlimited check writing and no monthly service fees
  - No minimum balance requirements
  - Free FNCB Online and FNCB Online Bill Payment
  - Free Savings Overdraft Transfers
  - Free Official Bank Checks
  - Free Safe Deposit Box for one year (based upon availability)
  - Free FNCB Check Card (upon approval)
  - Fee free financial planning session
  - One free introductory pack of checks
- Click Here for Disclosure information

Optimum Money Market— Checking with tiered interest
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  Optimum Money Market
  
  This money market account pays competitive interest rates and also offers limited check-writing abilities. Interest rates are tiered — the higher your balance, the higher your potential rate.
  - Free FNCB Online and FNCB Online Bill Payment
  - Tiered Variable Interest Rate
  - Free FNCB Check Card (upon approval)
  - Combined statements available
- Click Here for Disclosure information

Performance Money Market— Maximum performance and flexibility
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  Performance Money Market Account
  
  This money market account pays tiered interest rates and also offers limited check-writing abilities. It works together with your FNCB Performance Checking account to offer maximum financial flexibility.
  - Tiered Interest Rate on balances of $10,000 or more
  - Free FNCB Online and FNCB Online Bill Payment
  - Free FNCB Check Card (upon approval)
  - Combined statement available
- Click Here for Disclosure information

Related Links

Personal Checking Accounts

Simply Cashback — Get cash back on Debit/Check Card purchases

Simply Cashback

Maximum Earnings (ME) — Maximize earnings with no fees

Maximum Earnings (ME)

Senior Checking — Designed just for seniors

Senior Checking

Simply Free Checking — Free, no-frills checking

Simply Free Checking

NOW Checking — Earn interest and more

NOW Checking

Workplace Banking — Direct deposit and more

Workplace Banking

Optimum Money Market— Checking with tiered interest

Optimum Money Market

Performance Money Market— Maximum performance and flexibility

Performance Money Market Account