Rate Information - Your interest rate and annual percentage yield may change.
Eligibility Requirements
The ME Checking Account is available to Individual or Joint consumers.
To qualify for "ME Checking” rates, you must:
"Qualification Cycle" means a period beginning one day prior to the current statement through one day prior to the close of the current statement.
Statements - To be eligible for this account, you must receive your statement Electronically via FNCBOnline or E-Statement. Your statement will cycle on the 5th of every month at which time you will receive an e-mail notification from us.
ATM Fees - There are no ATM fees assessed by FNCB. If you have met your eligibility requirements for the month, we will reimburse all ATM Surcharge fees assessed by other domestic banks up to $30.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate- At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency- Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open account- You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed- You must maintain a minimum collected balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges- There are no service charges or transaction fees associated with this account as long as there is activity on the account. Refer to the Common Features section of this brochure for additional fee information for services associated with your account.
This account is not a consumer account to which Truth in Savings applies.
Fees:
A monthly maintenance fee of $10.00 will be charged each statement cycle.
A check deposited fee of $.15 will be charged for each check deposited during a statement cycle.
A check paid fee of $.18 will be charged for each check paid during the statement cycle.
A deposit ticket fee of $.25 will be charged for each deposit ticket.
An ACH transaction fee of $.10 per item will be charged for each ACH transaction.
You will earn a credit on this account that will be applied to reduce the fees. This earnings credit rate will be applied to the average collected balance of that monthly statement cycle less a 10% reserve requirement. This earnings credit cannot exceed your total account fees. The earnings credit rate will be termed variable and may change at the Bank's discretion in accordance with market conditions.
This account is not a consumer account to which Truth in Savings applies.
Fees: - A $0.35/item charge will be assessed on any item above a combined amount of 500 checks deposited/paid and ACH debits/credits per statement cycle.
An Earnings Credit will not apply to this account.
Note: Small Business Statements will be delivered electronically. If a paper statement is requested a fee of $8.00 per month will be assessed.
A $0.35/item charge will be assessed on any item above a combined amount of 500 checks/paid and ACH debits/credits per statement cycle. This account includes a monthly electronic statement with check images. A monthly fee of $8.00 will be assessed if paper statements are requested. There are no ATM fees assessed by FNCB. We will reimburse all ATM surcharge fees assessed by other domestic banks up to $15.00 per month. Savings on Commercial Loan fees refer to service charges or annual fees only. Remote Deposit Capture Services are available to qualified business accounts only. Please see an FNCB representative for further details.
A $0.35/item charge will be assessed on any item above a combined amount of 500 checks/paid and ACH debits/credits per statement cycle. This account includes a monthly electronic statement with check images. A monthly fee of $8.00 will be assessed if paper statements are requested. There are no ATM fees assessed by FNCB. We will reimburse all ATM surcharge fees assessed by other domestic banks up to $15.00 per month. Savings on Commercial Loan fees refer to service charges or annual fees only. Remote Deposit Capture Services are available to qualified business accounts only. 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. Please see an FNCB representative for further details.
Eligibility Requirements
The SIMPLY CASHBACK Checking Account is available to Individual or Joint consumers.
To qualify for cash back on purchases, you must:
Cash back rewards will be equal to 1% of your total debit/check card transactions up to a maximum of $2,500.00 in transactions per qualification cycle. The maximum monthly cash reward is $25.00. Cash rewards will be credited to your account at the end of each qualification cycle. Transactions must be posted to your account prior to the cycle date to be considered eligible.
Cash rewards are calculated for each qualification 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 qualification cycle but you will remain eligible for rewards in other qualification cycles.
"Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.
Statements - To be eligible for this account, you must receive your statement Electronically via FNCBOnline or E-Statement. Your statement will cycle on the 5th of every month at which time you will receive an e-mail notification from us.
ATM Fees - There are no ATM fees assessed by FNCB. If you have met your eligibility requirements for the month, we will reimburse all ATM Surcharge fees assessed by other domestic banks up to $30.
Minimum balance to open account - You must deposit $100.00 to open this account.
Fees and Charges - There are no service charges or transaction fees associated with this account as long as there is activity on the account.
Refer to the Common Features section of this brochure for additional fee information for services associated with your account.
Minimum balance to avoid imposition of fees - None
Simply Free checking includes online banking services and a monthly bank statement delivered electronically via FNCB Online Statements pr E-Statement. If a paper statement is requested in addition to the electronic statement, a fee of $3.00 per month will be assessed; if check images are requested with the statement, the fee will be $5.00 per month.
Customers who do not utilize online banking services will receive a monthly truncated paper bank statement free of charge.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees – NOW accounts will be subject to a service charge fee of $10.00 which will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
Note: This service charge fee will not apply to Workplace Banking or Senior Checking accounts.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Note: Account holders must meet NOW account eligibility requirements.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of Rate Changes - We may change the interest rate on your account at any time.
Determination of Rate - At our discretion, we may change the interest rate on your account.
Compounding and Crediting Frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $.01 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks)
Transaction limitations - Transfers from an Optimum Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by draft, debit card, or similar orders to third parties.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Performance Money Market Access account to another account or to third parties by preauthorized, automatic, computer or telephone transfer are limited to six per month with no more than three by check, draft, Debit Card or similar order to third parties.
Fees: An active FNCB Performance Checking account titled in the same manner is required to be eligible for this product. A $20.00 fee will be assessed to the Performance Money Market account each cycle if the associated checking account balance becomes negative or the associated checking account is closed during the cycle.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance to open the account - You must deposit $100.00 to open this account.
Daily Balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations - Refer to the Health Saving Account Agreement.
Fees - A monthly maintenance fee of $2.00 will be charged each statement cycle.
An Account setup fee of $25.00 will be assessed at account opening.
An Account closing fee of $25.00 will be assessed at account closing.
Note - Fees charged against your HSA Account may cause a prohibited transaction and/or an excess contribution to your HSA Account.
Rate Information - Your interest rate and annual percentage yield may change.
Eligibility Requirements
The Maximum Earnings Savings Account is available to Individual or Joint consumers.
Statements - You agree to receive your Maximum Earnings Savings account statement electronically via FNCBOnline or E-Statement. Your statement will cycle on the last day of each month at which time you will receive an e-mail notification from us.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to open account - You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations - Transfers from a Maximum Earnings Savings account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month with no more than three by draft or third parties.
Note: Maximum Earnings Savings account holders are not eligible for a Debit Card.
Fees and Charges – In addition to the Fees and Charges detailed in the Common Features section of this disclosure, there is a $10.00 Excess Transaction Fee assessed for each transaction in excess of six per month as described under Transaction Limitations above. Additionally, there is a $5.00 fee for each withdrawal or transfer made in an FNCB branch office with two complimentary withdrawals or transfers allowed per month.
Note: Online Funds Transfer Limits and Fees are listed separately in the Common Features section of this brochure.
Refer to the Common Features section of this brochure for additional fee information for services associated with your account.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations: Transfers from a Passbook Savings account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month.
Note: Passbook account holders are not eligible for an ATM or Debit Card.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of Rate Changes - We may change the interest rate on your account at any time.
Determination of Rate - At our discretion, we may change the interest rate on your account.
Compounding and Crediting Frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - None
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $.01 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations: Transfers from a Centennial Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to avoid imposition of fees - A service charge fee of $1.00 will be imposed every month if the balance in the account falls below $10.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations: Transfers from a Statement or Passbook Savings account to another account or to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month.
Note: This account is only available to children under twenty-one years of age.
Youth account holders are not eligible for an ATM or Debit Card.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of Rate Changes - We may change the interest rate on your account at any time.
Determination of Rate - At our discretion, we may change the interest rate on your account.
Compounding and Crediting Frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance to Avoid Imposition of Fees - A service charge fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed - You must maintain a minimum collected balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.
Accrual of Interest on Noncash Deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations:
Transfers from a Performance Statement Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no more than three by draft, debit card, or similar orders to third parties.
Fees - An active FNCB Performance Checking account titled in the same manner is required to be eligible for this product. There is no fee assessed if the Performance checking account is closed, but the Performance Statement Savings account will be reclassified to a statement savings account.
Compounding frequency - Interest will not be compounded.
Crediting frequency - Interest will be credited to your account at maturity.
Effect of closing an account - If you close your account before interest is credited; you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations: The minimum amount you can deposit is $5.00 per payment. Your principal balance cannot exceed $5,200.00.
If any withdrawal is made from this account before maturity, this account may be closed.
You cannot withdraw interest from your account before maturity.
Note: Fees could reduce earnings on the account.
Time requirements - Your account will mature annually in April or October of each year.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
The penalty we may impose is the greater of:
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Automatically renewable time account (Holiday/Tax Vacation Club) - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). If you prevent renewal, interest will not accrue after final maturity.
Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
Rate Information - Your interest rate and annual percentage yield may change.
Rate Information:
Certificate of Deposit (fixed rate account) -
The interest rate on your account is ______% with an annual percentage yield of _____%. You will be paid this rate until first maturity.
Additional Rate Information for Fixed Rate Maximum Earnings (ME) or Performance Certificate of Deposit - If you close your maximum earnings or performance checking account during the term of your CD, the interest rate will be changed to the rate that would have been in effect for customers who did not have a maximum earnings or performance checking account at the time you opened your CD. You will be notified 30 days prior to the rate change.
Escalator Certificate of Deposit Option Plan (variable rate account): When checked, this option applies to your fixed rate Certificate of Deposit with a term of 18 months or greater.
The interest rate on your account is ______% with an annual percentage yield of ______%. Your interest rate and annual percentage yield may change. Unless indicated elsewhere in this disclosure, we will not change the rate on your account during the term of the account but you have the option to exchange this interest rate once during the first term and once during each renewal. The new interest rate will be the interest rate we are then offering on any other time deposit of equal term to maturity as the original term of this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled.
Prime Rate Certificate of Deposit (variable rate account) -
The interest rate on your account is ______% with an annual percentage yield of _____%. Your interest rate and annual percentage yield may change. The interest rate will never be less than _____%.
Frequency of Rate Changes - We may change the rate on your account every month.
Determination of Rate - The interest rate on your account is based on the National Prime rate minus a margin of _____%.
Additional Rate Information for Variable Rate Maximum Earnings (ME) or Performance Certificate of Deposit - If you close your FNCB maximum earnings or performance checking account during the term of your CD, the interest rate will be changed to the rate currently in effect for customers with the same type of CD who do not have an maximum earnings or performance checking account.
Compounding frequency - Interest will be compounded quarterly for all fixed rate certificates of deposit with terms of one year or more except the 13 month fixed rate certificate of deposit. There is no compounding on certificates of deposit with terms of one year or less and the 13 month certificate of deposit and all variable rate certificates of deposit.
Crediting frequency - Interest will be credited to your account according to compounding frequency or at maturity.
Minimum balance to open the account - You must deposit $1,000.00 unless otherwise noted on the Rate Information page.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Principal and aggregate deposits cannot exceed $100,000.00 except for Jumbo CD’s.
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
Time requirements - Your account will mature based on the term of the certificate of deposit you select.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) –
If your account has an original maturity of less than six months:
The fee we may impose is the greater of:
If your account has an original maturity of six months but less than 24 months:
The fee we may impose is the greater of:
If your account has an original maturity of two years or more:
The fee we may impose is the greater of:
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
If you have an automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. You will have 10 calendar days after maturity to withdraw the funds without a penalty.
If you have a Variable Rate Certificate - Each renewal term will be the same as the original term, beginning on the maturity date. Interest will be calculated on the same basis as during the original term. You will have 10 calendar days after maturity to withdraw the funds without a penalty.
If you have a Fixed Rate Certificate - Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have 10 calendar days after maturity to withdraw the funds without a penalty.
If you have a Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.
Tier 1 – If your daily balance is $1,000.00 or more the interest rate paid on the entire balance in your account will be ________% with an annual percentage yield of ________%.
Tier 2 – If your daily balance is more than $500.00 but less than $1,000.00 the interest rate paid on the entire balance in your account will be ________% with an annual percentage yield of ________%.
Compounding frequency - Interest will be compounded every quarter. Interest disbursement via check is not applicable to this account.
Crediting frequency - Interest will be credited to your account every quarter.
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
Principal and aggregate deposits cannot exceed $100,000.00.
The minimum amount you can deposit is $50.00 for a Certificate of Deposit and $10.00 for an IRA.
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
You cannot withdraw interest from your account before maturity.
Time requirements - Your account will mature in 12 months.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) –
The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.
Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have ten calendar days after maturity to withdraw the funds without a penalty.
Fees: A transfer fee of $25.00 will be charged for each external IRA transfer.
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Account research | $25.00 per hour – Fixed Fee in Advance $10.00 minimum Additional Fees as incurred. Refund excess fees as necessary. |
| ATM Fees • For transactions at ATMs we do not own or operate |
$2.00 |
| ATM cash withdrawal limits: • FNCB CheckCard • FNCB Business CheckCard |
$500.00 per day $500.00 per day |
| Automatic Account Link transfer | No Charge |
| Bearer Bond Fee | $20.00 |
| Cashier's checks (sold to customers only) | $5.00 |
| Certified checks | $10.00 |
| Check printing | (fee depends on style and quantity of check ordered) |
| Checking and Savings accounts closed within six months of opening | $10.00 |
| Coin & currency service | $1.00 per pack |
| Collection Items | $20.00 per item |
| Counter Checks | $1.00 |
| Debit Card transaction dollar limit • FNCB CheckCard • FNCB Business CheckCard |
$1,500.00 per day $2,500.00 per day |
| Deposited checks (and other items) charged back • Personal • Business |
$15.00 $20.00 |
| Dormant account fee (Money Market and Savings accounts only) - An account is dormant if for three years there has been no customer initiated activity on the account. | $5.00 per month |
| Escheat fee | $75.00 |
| Expedited Card Delivery | $35.00 |
| FNCBOnline Services: • Personal • Personal with Bill Payment |
FREE FREE |
| FNCBOnline Fees: • Bill Payment Check Copy Request • Bill Payment Return Item • Bill Payment Stop Payment Item • Reactivation Fee |
$10.00 per check $30.00 per item $30.00 per item $5.95 |
| FNCBusiness Online (includes Bill Payment & ACH) • 10 Accounts or less • 11 Accounts or more |
$35.00 per month $60.00 per month |
| FNCBusiness Online Fees: • Bill Payment Check Copy Request • Bill Payment Return Item • Bill Payment Stop Payment Item • Reactivation Fee |
$10.00 per check $30.00 per item $30.00 per item $9.95 |
| Foreign Currency Conversion | 1% of transaction |
| Government check cashing (non customer) | $5.00 per item |
| Health Savings account • Set-Up fee • Closing fee |
$25.00 $25.00 |
| Inactivity fee (checking accounts only excluding Money Market accounts - Includes Personal, Small Business and Business). An account is considered inactive if the account has had no customer initiated activity for six months. |
$5.00 per month |
| IRA Closing fee | $25.00 |
| IRA transfer (external) | $25.00 |
| Legal processes (liens, levies, etc.) | $75.00/action |
| Money Orders (sold to customers only) | $5.00 |
| Online External Funds Transfer Fees • Inbound – Standard Service • Inbound – Premium Service • Outbound – Standard Service (3 Free per month) • Inbound – Outbound – Premium Service |
Free $20.00 each transfer $10.00 each transfer greater than 3 $20.00 each transfer |
| Overdraft Fees: • * Overdraft - each overdraft paid • * Overdraft – maximum charge per day (personal accounts) • * Overdraft - each overdraft returned • * plus per day overdrawn (business accounts) * These overdraft fees apply even if an overdraft is covered by the bank’s Bounce Protection program. Refer to the Bounce Protection Brochure for program details * The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal ATM withdrawal, or other electronic means. |
$35.00 $175.00 $35.00 $10.00 |
| Photocopies | $1.00 per item |
| Postal Forwarding Fee | $5.00 |
| Redeposited check fee | $10.00 per item |
| Replacement of ATM or Debit Card | $5.00 |
| Safe Deposit box | Price varies with size |
| Safe Deposit box drilling | Actual Cost |
| Safe Deposit box drilling and lock replacement | Actual Cost |
| Statement Mailing to Additional Addresses | $5.00 |
| Stop payments (all items) | $35.00 per item |
| Telephone transfer (If not done by Account-Link) | $5.00 per transfer |
| Uncollected funds (business accounts) | $35.00 per day |
| Wire Transfers - For existing customers only • Domestic - Incoming Domestic - Outgoing • International - Incoming International - Outgoing |
$10.00 $25.00 $10.00 $50.00 |
We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
Additional checking Account Information
This Account consists of a checking sub-account and a savings sub-account. The Bank may periodically transfer funds between these two sub-accounts. If your account is a Plan on which interest is paid, your interest calculations will remain the same. The savings sub-account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, on your monthly statement.
MEMBER FDIC
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