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Why choose FNC Bank

FNC Bank is a locally-owned third generation community bank offering a full range of personal and business banking services. For more than 100 years, we have proudly supported local businesses and residents in achieving their financial objectives.

As a community bank, we are committed to delivering outstanding service, providing trusted financial advice, and building meaningful relationships for the betterment of our customers and the broader community. But don’t just take our word for it, our Google reviews and testimonials say it all.

What our customers are saying

Small town service with a smile, big city offerings!
Patty
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
Have been extremely happy for the past 32 years as a customer.
James
(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
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!
Doreen
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
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
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
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
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
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
I appreciate that FNCB keeps up with all the current technology.
Kathryn
(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 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
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
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa

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  • Understanding Your Credit: A Guide to Building a Strong Financial Future

    October 16 is Get Smart About Credit Day—a perfect time to learn how credit works and why it matters for your financial well-being. Here’s what goes into your score, why it’s important, and how you can build healthy credit. While the exact formulas are unknown, credit scoring models like FICO and VantageScore generally focus on five main areas: payment history, amounts owed, length of credit history, credit mix, and new credit.
    Read More about Understanding Your Credit: A Guide to Building a Strong Financial Future
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    Presenting a vision of what the future might look like has been an obsession for creative minds in science, literature, and popular culture for centuries. In recent years, an endless string of movies has been produced by Hollywood depicting various forms of the apocalypse, whether in the form of a natural disaster, an alien invasion, worldwide epidemic, or just about anything else you can imagine. My personal favorite is the classic “The Terminator”. In the highly unlikely event you haven’t seen it, the plot centers on the premise that an artificial intelligence (AI) system named Skynet becomes “self-aware” and on its own initiates a nuclear holocaust.
    Read More about Can We See the Future?
  • What is a Home Equity Line of Credit (HELOC)?

    A Home Equity Line of Credit, or HELOC, lets you borrow money using the equity in your home as collateral. Unlike a traditional loan with a lump sum, a HELOC works like a credit card: you’re approved for a set limit, and you can draw funds as needed during a “draw period,” such as 10 years. During this time, you often only pay the interest.
    Read More about What is a Home Equity Line of Credit (HELOC)?

Community Minded

At FNC Bank, we are committed to serving our local community.

579 Youth
touched by our financial literacy presentations in 2024.
83 Causes
supported through community outreach programs in 2024.
117 Grants
provided since launching our grant program in 2020.
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