Wise Rewards Checking


A Checking Account that Earns Interest Worth Celebrating!

FNC Bank Wise Rewards Checking

Earn UP TO .75% APY

No monthly service charge
No minimum balance required
Access to 37,000 convenient surcharge-free ATMs nationwide using the MoneyPass ATM network. 
For non-MoneyPass ATM use, FNC Bank will refund up to $25/month in ATM fees if qualifications are met.

Qualifications are as follows:

  • At least one automatic (ACH) deposit or withdrawal per month
  • Ten (10) monthly debit card purchases
  • Enroll & receive electronic statements each qualification cycle

Interest is paid on tiered balances if above qualifications are met. Minimum balance to earn interest:

  • .01-$15,000.00 = .75% APY*
  • $15,000.01+ = .10% APY*
  • If qualifications are not met, all balances earn .05% APY*

If qualifications are met, each monthly qualification cycle, you will earn an APY .75% on balances $.01-15,000. Balances over $15,000 earn an APY of 0.10% resulting in a range of .75%-.10% APY depending on the balance. 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 ATMs are available for instant surcharge-free access.

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. Available to Personal accounts only.  Limit one account per Social Security Number.

Apply Now!

Offer valid as of 12/01/2022.  APY Rates are subject to change after the account is opened.

APY=Annual Percentage Yield


NMLS #412555