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:
|
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
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
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
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!Auir
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
The best bank I have ever used. Everyone is has been so kind and helpful!Lisa
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
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!Doreen
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
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
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!Richard
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.Christine
Small town service with a smile, big city offerings!Patty
Have been extremely happy for the past 32 years as a customer.James
(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 appreciate that FNCB keeps up with all the current technology.Kathryn
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
(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
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
Always treated as family with every interaction!Byron
This is the best bank ever! I love you guys for all you've done for me over the years!Jennifer
