In today's world, opening a checking account is essential for everyday life and provides a safer, more convenient alternative to carrying cash. At FNC Bank, we offer a range of checking solutions to suit your needs, whether you're a first-time account holder or seeking advanced features such as rewards and higher interest rates. Experience the benefits of an FNC Bank checking account and make managing your finances easier than ever.
Carefree Checking
No added bells and whistles – just straight up great checking. FNC Bank Carefree Checking offers customers a simple and convenient way to manage their money.
- No minimum balance required
- No monthly service charge
- Free statements
Want to earn interest on your checking account? Explore our Wise Rewards Checking or Elevate Checking accounts!
Wise Rewards Checking
This is not your standard checking account. With FNC Bank’s Wise Rewards account, you’ll earn interest worth celebrating. Make a wise choice and reap the rewards!
- Earn 1.25% APY on the first $15,000, then 0.10% APY on balances $15,000.011 and above
- Up to $25/month reimbursed ATM fees3
- No minimum balance required
- No monthly service charge
- Free statements
Account Qualifications:
- At least one automatic (ACH) deposit or withdrawal per cycle
- At least ten (10) debit card purchases per cycle4
- Enroll & receive electronic statements each cycle
Elevate Checking
Ready to elevate your earnings potential? Experience a checking account like no other―with a high rate of interest. Say goodbye to the ordinary and embrace the extraordinary.
- Earn 3.00% APY on the first $3,000, then 0.10% APY on balances $3,000.012 and above
- Up to $25/month reimbursed ATM fees3
- 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 cycle4
- 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 contactless Mastercard® debit card(s)
- 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
- 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 and personalized service. Our decision-makers are in-house, enabling fast turnaround times and the personal attention to your banking needs that our customers have come to appreciate
Disclaimer
APY=Annual Percentage Yield. Interest rates are subject to change after account is opened. Fees may reduce earnings. Offer valid as of 3/14/24.
1Account must meet all qualifications and be in good standing.
Balances up to $15,000 and meeting qualifications earn an APY of 1.25% with an interest rate of 1.24%.
Balances $15,000.01 and above when meeting qualifications earn an APY of 0.10%.
Accounts that do not meet qualifications earn 0.05% APY.
Earnings could result in a rate range of 1.25%-0.10% APY depending on the balance.
2Account must meet all qualifications and be in good standing.
Balances up to $3,000 and meeting qualifications earn an APY of 3.00% with an interest rate of 2.96%.
Balances $3,000.01 and above when meeting qualifications earn an APY of 0.10%.
Accounts that do not meet qualifications earn 0% APY.
Earnings could result in a rate range of 3.00%-0.10% APY depending on the balance.
3Monthly 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.
4Qualifying 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.
Wise Rewards Checking & Elevate Checking are available to personal accounts only. Limit one Wise Rewards Checking and one Elevate Checking account per Social Security Number.
Check out these available features!
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What our customers are saying
Most accurate accounting procedures and friendliest bank representatives I've ever had in any banking experiences in the past.Kathleen
Wonderful bank, good relationship and a real hometown feel, just minutes from the metro but personal, we do business and personal banking! 5 star for sure!Stacy
A friendly local bank, that knows who you are when you walk in the door. Always ready and able to find answers. They aim to be part of the solution, not another part of the problem.Rick
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
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
Great small town bank, I love that they know who you are when you walk in the door or call.Errin
Everyone has ALWAYS been extremely helpful and never without a smile - customer service is 10/10! There’s a reason I didn’t move my accounts after I married almost 11 years ago. And a reason I’ve been a customer since I was a teenager! Thank you for all you do for your customers each and every day!Erin
Love the Hometown feel of FNC Bank. My grandkids are now the 5th generation to bank there. I like the personal attention and caring employees. (Banker) goes above and beyond and all the tellers are super friendly.Jean
Fantastic team! Knowledgeable, prompt, and professional across the board - from a simple savings account, to complex mortgage products, they find the best way to make it work for you.Derek
The staff are friendly and efficient. They go above and beyond with their customer service. It is a great to have a locally owned bank where customers really matter are not just a number.JoAnn
Excellent friendly staff and officers that are ready and willing to strive to meet and exceed customers needs. This "hometown bank" has been a longtime institution within the community always helping citizens and businesses alike. It is refreshing to have staff and officers with genuine concern to help people achieve their dreams. Thank you FNC Bank.Scott
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
I have been with FNC Bank for 20+yrs. We went to FNC for a construction loan and a checking account when we 1st moved here. We both wanted something more out of a bank, one that would make us feel like we were people not just an account that we had where we had been. Boy, did they come through from loan officers to the tellers. From that 1st construction loan, the loan officers have always helped us save $$$ like helping us lock in a rate to refinancing and equity lines. Making the process so easy. The tellers are always so helpful. Everyone has always been professional, and yet making you feel like family, just what we were looking for. They are "like a good neighbor" in everyway.Jana
I have been working with FNC Bank for 25 years for my personal banking and 15 years for my commercial banking needs. The folks at FNC are knowledgeable, kind, fair and always looking out for my best interest! I am very pleased that I chose to make First National Community Bank, MY bank 25 years ago and trust that I am in good hands for the next 25 years!Joseph
This is the bank to hold your accounts. I have tried other banks and returned to this one. The people are top notch. Friendly and knowledgeable. I thank them for their always helpful attitude!Toni
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
TamaraI moved from New Richmond to Woodbury. I have continued to be a customer due to the service I receive. Step into any "big bank" and you will see the difference. I recently applied for a bank credit card to have on hand for an emergency. The low interest rate was incredible. So happy!
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
