Checking Accounts

Rates effective 07/22/22
Account Type Minimum Balance Required to Avoid Service Charge (minimum to open Account) Monthly Service Charge Minimum Balance to Earn APY1 Interest Rate2 APY3 Additional Information
Basic Checking N/A $0 Non-Interest N/A N/A Checking account with no monthly service charges!  One free box of select checks for students - must supply proof of school enrollment.
Wise Rewards Checking N/A $0 .01 - $15,000.004

$15,000.01 + 4
Resulting in earning a rate range of .75% - .10% APY depending on the balance.
.75%

.10%
.75%

.10%
No Monthly Service Charge. No Minimum Balance required. Interest is paid on tiered balances if qualifications 4 are met. Non-MoneyPass ATM refunds up to $25 per month if qualifications 4 are met. Available to personal accounts only. If qualifications are not met, all balances earn .05% APY.
Green Giving Checking N/A $0 Non-Interest N/A N/A Digital Checking Account. FNC Bank will contribute 10¢ per Green Giving debit card transaction to local charity programs and services. Free electronic statements. $5.00 fee for monthly paper statement. 6
Money Market Checking $2,500.00 $15.00
Tier 1: $.01-$24,999.99
Tier 2: $25,000-$49,999.99
Tier 3: $50,000-$74,999.99
Tier 4: $75,000-$149,999.99
Tier 5: $150,000.00+
.09%
.21%
.30%
.40%
.48%
.09%
.21%
.30%
.40%
.48%
Monthly service charge applies only if balance drops below $2,500 any day of the statement cycle.

Account must be opened with $2,500.


All Checking Accounts Offer: Online Banking, Bill Payment Services, Electronic Statements (eStatements), Debit Card 5

Please see the Deposit Account Agreement & Disclosure for a listing of all terms and conditions. Fees could reduce earnings.

¹We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

²Interest Rates are subject to change after the account is opened.

³APY=Annual Percentage Yield

4Monthly qualifications are as follows: at least one automatic (ACH) deposit or withdrawal, ten (10) debit card purchases, and enroll & receive electronic statements each qualification cycle. If qualifications are met each monthly qualification cycle, (1) you will earn an APY .75% on balances $.01-15,000: (2) balances over $15,000 earn an APY of 0.10% resulting in a range of .75%-.10% APY depending on the balance: (3) Non-MoneyPass 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. If qualifications are not met, all balances earn .05% APY. Qualifying 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. Limit one account per Social Security Number.

5Platinum ATM/Debit MasterCard: Subject to approval.
 
6 FNC Bank reserves the right to adjust the per-swipe giving amount at any time, without notice. Overdraft fees apply. This account is meant to be a ‘green’ paperless checking account. Paper checks will not be supplied, but can be ordered at a fee upon request. As a digital-first account, we encourage person-to-person payment systems (such as Bill Pay) and depositing checks using Mobile Deposit through FNC Bank’s mobile banking app. General message and data rates may apply. Electronic statements are provided free-of-charge. Customer agrees to enroll in online banking and sign up for eStatements. Customer has 30 days from the time of account opening to initiate eStatements. Should a paper statement be generated due to lack of initiation, the first month’s paper statement is free and any months following will result in a $5 fee.

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