Overdraft Protection

With FNCB Overdraft Protection you can protect yourself against the cost and inconvenience of returned checks.

Savings Overdraft Protection

Simply sign an Overdraft Protection Agreement to activate this service. Once the Agreement is signed, we will automatically transfer funds from your FNCB savings account to your FNCB checking account if activity on the primary checking account will result in a possible overdraft.

There is no charge for these transfers.

Instant Money

Fill out an application for an Instant Money loan. The line of credit will be tied to your checking account for overdraft protection. Funds will be advanced from the credit line and deposited to your checking account in increments of $50, whenever the checking account becomes overdrawn. $15 annual fee applys. Learn More.