Be Wise Advantage
Life happens. We’re here to help.
At times, life can be unpredictable and cause us to lose track of our expenses or account balances. Having a check or other payment returned due to insufficient funds can be costly and inconvenient. That’s why we provide Be Wise Advantage, an overdraft service for FNC Bank's accountholders.
What is Be Wise Advantage? Be Wise Advantage is a discretionary, noncontractual overdraft service that may cover transactions when your balance isn't enough, up to a set limit.
| What is Be Wise Advantage Plus? For consumer accounts, Be Wise Advantage PLUS is an additional and optional coverage that customers may choose to extend coverage to include:
If you authorize this optional coverage, ATM withdrawals and everyday debit card transactions that exceed your balance may be authorized for payment through the Be Wise Advantage overdraft program. Please note that your choice regarding ATM and everyday debit card coverage applies to the account and all debit cards issued for the account, not separately to each individual cardholder. Visit our Be Wise Advantage Plus webpage to add or remove debit card coverage. |
How it works.
Be Wise Advantage is a discretionary service, not a guarantee. We may decline to cover an overdraft at any time—even if we’ve approved one in the past.
Your account may become overdrawn by:
- Checks, transfers, or withdrawals
- Authorized debit card transactions
- Returned deposited items
- Account fees
- Deposits not yet available per Funds Availability Policy
When will overdrafts be paid or not paid?
We may decline to pay an overdraft for reasons including, but not limited to:
- Your account not meeting eligibility requirements
- The transaction exceeding your assigned overdraft limit
- You’ve opted out of coverage for certain transactions
Returned items are subject to a Returned Item Charge of $30 per item.
If eligible, we may cover overdrafts as a courtesy—not a guarantee. You should bring your account to a positive balance as soon as possible and must do so within 30 calendar days.
If your account is not brought current within 30 days, your Be Wise Advantage limit will be suspended, and additional items may be declined or returned. Coverage may be reinstated once your account is returned to good standing.
What does it cost?
There’s no fee to have Be Wise Advantage unless you use the service. If you do use the overdraft limit:
- You’ll be charged our Be Wise Paid Items Charge of $30 per overdraft item for checks, ACH payments, recurring debit card transactions, etc.
- For consumer accounts: If you opt in and a transaction posts with insufficient funds, you may be charged our Be Wise Paid Items Charge of $30 per item. We do not cover ATM and one-time debit card transactions unless you have opted in for this optional coverage.
What’s my limit?
After 30 days, an overdraft limit may be assigned based on your account type and eligibility.
| Account Type: | OD Limit: |
|---|---|
| Carefree Checking | $500 |
| Wise Rewards Checking | $500 |
| Elevate Checking | $500 |
| Business Checking (Sole Proprietor Only) | $500 |
| Money Market Account | $1,000 |
If you have more than one account, all eligible accounts will be assigned a limit. FNC Bank reserves the right to limit participation to one account per household/business or to suspend, revoke, or discontinue this service without prior notice.
Are there other overdraft protection plan options?
Yes!
We also offer:
- “Sweep” or link to a savings or another checking account
- Overdraft lines of credit
How do I add or remove Be Wise Advantage Plus?
To add or remove coverage for ATM and everyday debit card transactions under Be Wise Advantage Plus, you can:
- Click Here for Be Wise Advantage Plus Coverage for ATM and Everyday Debit Card Transactions
OR
- Call 715-246-6901
- Visit any FNC Bank branch
You may remove Be Wise Advantage coverage from your account at any time, but you are responsible for any overdrawn balances. To remove Be Wise Advantage coverage, please call a Personal Banker at 715-246-6901 or visit a branch location for assistance. Even if coverage is removed, non-sufficient items and associated fees and charges may still apply.
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What our customers are saying
I recently had the pleasure to work with [Mortgage Lender] for mortgage lending on my first home. He was absolutely the best to work with. He made the entire process easy and a lot less stressful to handle. It was clear he was knowledgeable and had my best interest at heart and I really appreciate his timely efforts in communication in such a fast-paced market. He exceeded all my expectations for a lender and I am so glad to have gone through him for my first mortgage! Thank you so much!Casey
MindyMy husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called [Business Banker]. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.
CodyMy business partner and I were searching for banks to help us through the process of obtaining a loan so that we could open our insurance agency. [Business Banker] at the Hudson branch was amazing to work with. He was knowledgeable, available, and awesome. We couldn't have been happier with the experience that we had with him at FNC bank.
NathanMy wife and I had a wonderful experience working with [Mortgage Lender] to purchase our new home! [Lender] was very knowledgeable and always made time for us and our many questions. Nothing but good things to say about the process!
I had a wonderful experience as a first time home buyer working with [Mortgage Lender]. Through the process he kept me informed and up to date on everything going on and I never felt out of the loop. My first time buying experience was a breeze and I owe a large part of that to him. I would highly recommend [Lender] to anyone in need of a loan. If you want someone who is professional, knowledgeable, and truly cares, he is the perfect person for the job.Rachel
[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 house/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
MarkIf I could give them 10 stars I would! [Business Banker] has been awesome to work with. He made my business start up process so easy. I'm so grateful for him and the other staff who have just been awesome to work with.
My husband and I just bought our first home, and [Mortgage Lender] at First National Bank Hudson made the whole mortgage process a breeze! As first-time homebuyers, we had so many questions, and he was super patient and helpful every step of the way. He took the time to explain everything in a way we could understand and always made sure we felt comfortable with the process. We’re so grateful for his guidance and couldn’t be happier with how everything turned out.Andrea
ScottWe worked with [Mortgage Lender] on a construction loan. His follow up and communication were impeccable leading up to the close. [Lender] is very personable and professional. I highly recommend him and FNC for your banking needs.
MarkellWe just closed on a home working with [Mortgage Lender] at FNC Bank and he made the process so easy and stress-free. [Lender] is very knowledgeable and always answered our questions right away. Can't recommend enough!
Great small town bank, I love that they know who you are when you walk in the door or call.Errin
KylieAs first time home buyers, my husband and I were very pleased to work with [Mortgage Lender] for our mortgage. He exceeded our expectations—providing answers to all of our questions, communicating with us at every turn, and always being friendly and personable! Highly recommend working with him!
SteveI worked with [Mortgage Lender] on the purchase of an investment property. The transaction was absolutely seamless, he was able to secure a competitive rate and provided immediate communication and feedback whenever a question or concern came up. I would recommend working with him for your home loan or investment mortgage needs.
SebastianHad the privilege to work with [Mortgage Lender] on the purchase of my first home. [Lender] was fantastic to work with as he was available at all times and was able to assist me with any questions I had. Would highly recommend working with him!
I have been a patron of the Bank since 1974. Never had a bad experience, and was always able to work with the bank to solve my banking needs.Arthur
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
FNC Bank has been our bank for over a decade. The customer service is first rate and I love the small town branch vs the big banks.Karin
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.Shawn
KyleMy wife and I were very pleased with our experience as 1st time homebuyers, having never gone through the mortgage process. We worked directly with [Mortgage Lender]. He always had time for us and our questions, providing great answers. He had us prepared for current step and was great about letting us know what was up and coming. Would definitely work with [Mortgage Lender] again!
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
