Elevate Checking

Ready to elevate your earnings potential? At FNC Bank, we offer a checking account like no other – with interest earnings above most. Say goodbye to the ordinary and embrace the extraordinary with our Elevate Checking account.

  • Earn 3.00% APY on the first $3,0001
  • Up to $25/month reimbursed ATM fees2
  • No minimum balance required
  • No monthly service charge
  • Free statements
Account Qualifications:
  • At least one automatic (ACH) deposit or withdrawal per cycle
  • At least fifteen (15) debit card purchases per cycle3
  • Enroll & receive electronic statements each cycle

Personal Checking Account Features
All personal checking accounts with FNC Bank offer the following advantages:

  • Access to approximately 40,000 convenient surcharge-free MoneyPass® ATMs nationwide.
  • Free Mastercard® debit card(s) with secure EMV chip.
  • Free statements.
  • Free online banking and mobile banking.
  • Convenient mobile check deposit.
  • Bill Pay for efficient person-to-person or person-to-business payments.
  • Real-time transaction and account balance alerts.
  • Debit card management and protection alerts.
  • Access to Be Wise Advantage overdraft privilege.
  • Option to set up a sweep account.
  • Reliability – we have been a strong, locally-owned community bank for over 100 years, with third-generation family ownership.
  • Efficient personalized care – our decision-makers are in-house allowing for efficient turnaround times and individualized service our customers have come to appreciate.

Apply Online Today!

Contact a Banker for more information or to apply in person

Opening an Elevate Checking account is easy.  With just a few clicks of your mouse, you can start earning more interest!


Fees could reduce earnings.

1Account must meet all qualifications and be in good standing.
     Balances up to $3,000 and meeting qualifications earn an APY of 3.00%.
     Balances over $3,000 and meeting qualifications earn an APY of 0.10%.
     Accounts that do not meet qualifications earn 0% APY.
     APY=Annual Percentage Yield. Interest rates are subject to change after account is opened.
2Monthly qualifications must be met. ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 and credited to the account on the last day of the monthly statement cycle. MoneyPass network ATMs are available for instant surcharge-free access.
3Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and clear the account. "Monthly Qualification Cycle" means the first day of the current statement cycle through the last day of the current statement cycle. ATM transactions are not qualifying debit card transactions.
Offer valid as of 03/14/2024. APY Rates are subject to change after the account is opened.
Elevate Checking & Wise Rewards Checking are available to personal accounts only. Limit one Elevate Checking and one Wise Rewards Checking account per Social Security Number.