Personal Checking Accounts

Wow Relationship Checking is the best high-interest-bearing checking account that will make you fall in love with your bank…and earn up to 5.00% APY!¹  Apply for this checking account online today.

We’ll have you at hello.

• 5.00% APY on balances up to $5,000 when you have:
  — 15 debit card purchases of $5.00 or more each statement cycle¹, and
  — One direct deposit.
• 5.00% to 0.45% APY paid on balances over $5,000 depending on balance in account¹
• 0.01% APY if qualifications aren't met.
• Preferred rates on certificates of deposit & money markets.
• $100 closing cost refund²
• No monthly fee³ if you meet the following requirements:
  o Have combined deposit balances of $25,000 or more, or
  o Have combined loan balances of $50,000 or more.

The benefits of being in a relationship.

• FREE debit card with access to 55,000 surcharge free ATMs on the Allpoint Network.
• FREE online or paper statements.
• FREE money orders and cashier checks (limit 1 per month).
• FREE stop payments.
• FREE combined statements.
• FREE first order of checks.
• Unlimited check writing.
• No FNCB fees at non-network ATMs.
• Send money with Zelle®
• FREE 1st Investment Services financial consultation.

Relationships on the go.

• Free Online Banking and Bill Pay.
• Free Mobile Banking and Mobile Deposit.

APPLY NOW

¹APY=Annual Percentage Yield is accurate as of 8/1/2023. Rates are variable and subject to change after account is opened. Minimum to open is $25. Wow Relationship interest will be paid each month in which a customer has: (1.) a minimum of 15 debit card purchases of $5.00 or more post and settle, and (2.) at least one Direct Deposit. If qualifications are met each monthly qualification cycle: (1) balances up to $5,000 receive an APY of 5.00%; and (2) balances over $5,000 earn 0.25% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.45% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted. If qualifications are not met in the account, all balances earn 0.01 % APY. Qualifying transactions must post to and settle to the Wow Relationship Checking account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Point-of-Sale (POS) transactions count towards qualifying debit card transactions. "Monthly Qualification Cycle" begins on the first day of the Statement Cycle and ends on the last day of the Statement Cycle. The advertised Wow Relationship Checking APY is based on compounding interest. Actual interest amount paid may be less than advertised Wow Relationship Checking APY. Limit one Wow Relationship Checking account per social security number. Fees may reduce earnings on the account. If you close your account before interest is credited; you will not receive the accrued interest.

²$100 closing cost refund will be deposited into Wow Relationship Checking account within 30 days after closing date on any residential real estate secured transaction, with the exception of No Closing Cost Home Equity Line of Credit product.

³To avoid $25 monthly maintenance service charge, one of the following requirements must be met during each statement cycle: (1.) Have combined active deposit balances - Consumer Checking, Savings, CD’s (including IRA accounts) of $25,000.00 or greater for current statement cycle. To meet this specific qualification, the primary account holder on the deposit account(s) must be the same as the primary account holder on the Wow Relationship Checking Account or (2.) Have combined active outstanding loan balances - Consumer & Mortgage only of $50,000.00 or greater for current statement cycle. To meet this specific qualification, the primary account holder on the loan(s) must be the same as the primary account holder on the Relationship Checking Account. If you do not meet the required qualification, a $25.00 monthly maintenance service charge will be assessed for that statement cycle. Minimum deposit to open the account is $25.

Wow ME (Maximum Earnings) offers free checking with high interest up to 5.00% APY!* Wow ME Checking is different in a good way, with more rewards, more convenience, and more of what you really want.

This high-interest-bearing checking account is simple. Plus, you can link your Wow ME checking account to a free Wow Saver account to watch your savings grow automatically. Wow. Apply for this checking account online today.

APPLY NOW

Wow ME Checking includes:

• 5.00% APY* on balances up to $5,000.
• 5.00% to 0.45% APY paid on balances over $5,000 depending on balance in account*.
• 0.01% APY* if qualifications aren't met.
• Link to the free Wow Saver account and have your Wow ME rewards transferred automatically!
• No minimum balance to earn rewards.
• No monthly maintenance service charge.
• Free online banking.
• Free mobile banking.
• Free telephone banking.
• FREE debit card with access to 55,000 surcharge free ATMs on the Allpoint Network.
• Send money with Zelle®.

Earning Rewards Is Easy!

To earn your rewards, simply do the following activities and transactions in your Wow ME Checking account each monthly qualification cycle:

• Have at least 15 debit card purchases of $5.00 or more post and settle.
• Enroll and receive online statements in place of paper statements.
• Have at least one direct deposit.

That’s really it. And even if you don't meet your qualifications, your Wow ME account is still free — plus you'll still earn our base rate of interest! And you can get right back to earning your rewards the very next month!

Call 1-877-879-3622 or find the FNCB Community Office closest to you to learn more about our Wow ME Checking account!

Apply Now

*APY=Annual Percentage Yield is accurate as of 8/1/2023. Rates are variable and subject to change after account is opened. Minimum to open is $25 for Wow Maximum Earnings (Wow ME) Checking and $25 for Wow Saver. Wow ME Checking rewards will be paid each month in which a customer has: (1.) a minimum of 15 debit card purchases of $5.00 or more post and settle, (2.) monthly account statement delivered electronically through Online Banking in place of paper statements and (3.) at least one Direct Deposit. For Wow ME Checking, if qualifications are met each monthly qualification cycle: (1) balances up to $5,000 receive an APY of 5.00%; and (2) balances over $5,000 earn 0.25% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.45% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted. If qualifications are not met in the account, all balances earn 0.01 % APY. Qualifying transactions must post to and settle to the Wow ME Checking account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" begins on the first day of the Statement Cycle and ends on the last day of the Statement Cycle. The advertised Wow ME Checking APY is based on compounding interest. If the Wow ME Checking account is linked to a Wow Saver account, interest earned in Wow ME Checking account is automatically transferred to Wow Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Wow ME Checking APY. The Wow Saver APYs may be less than Wow ME Checking APYs. Limit one account per Social Security Number.

If you are 55 years of age or older, this could be the right checking account for you. You'll receive unlimited check-writing privileges, pay no monthly maintenance service charge, and enjoy a wide range of free services. Apply for this checking account online today!

• Interest-bearing checking account.
• Unlimited check writing and no monthly maintenance service charge.
• No minimum balance requirements.
• Free FNCB Online and FNCB Online Bill Payment.
• Free Checks (limited styles available).
• Free Official Bank Checks.
• Free Safe Deposit Box for one year (based upon availability).
• FREE debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• Send money with Zelle®.
• Combined statements available.
• Free paper statements.

Apply Now

Just as the name implies, this is a basic, no-frills checking account. There's no minimum balance requirement and you'll enjoy unlimited check writing. Apply for this checking account online today!

• No minimum balance requirement.
• Unlimited check writing.
• Free FNCB Online and FNCB Online Bill Payment.
• FREE debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• Send money with Zelle®
• Monthly electronic statement.

• A $5.00 maintenance service charge will be assessed each statement cycle unless one of the following conditions are met:

  — Maintain an average daily balance of $500.00 in the Simply Basic Checking account OR
  — Have direct deposits totaling $500.00 or greater each statement cycle in the Simply Basic Checking account OR
  — Have at least 5 debit card purchase transactions post and settle to the Simply Basic Checking account each statement cycle. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Point-of-Sale (POS) transactions count towards qualifying debit card transactions.

Apply Now

FNCB Student Checking is designed for students 14-25 years of age or those still enrolled in school. Offering easy mobile and online account access, it's the best student checking account to take with you no matter where you go to school.

• No minimum balance requirement.
• FREE debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• FREE Mobile App.
• FREE Online Banking.
• FREE Account Alerts.
• FREE Bill Pay.
• Mobile Check Deposit.
• Send money with Zelle®.

This interest-bearing money market account pays competitive interest rates and also offers limited check-writing abilities. Interest rates are tiered - the higher your balance, the higher your potential rate.

• Free FNCB Online and FNCB Online Bill Payment.
• Tiered Variable Interest Rate.
• FREE debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• Send money with Zelle®.
• Combined statements available.
• Monthly statement delivered electronically via FNCB Online.

This tiered interest-bearing checking account allows you to earn higher rates for higher balances when you also have an FNCB Bank Wow Relationship Checking Account.

• Enjoy tiered interest rates that provide a higher return the more you save.
• Free online banking and BillPay.
• FREE debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• Send money with Zelle®.
• Combined statements available.
• Monthly statement delivered electronically via FNCB Online.

We believe in second chances. Opportunity Checking is a second-chance checking account designed to give you a fresh start from past financial mistakes and a chance to rebuild your credit. This safe, affordable account is BankOn Certified.

• No minimum balance.
• No overdraft or non-sufficient fund fees (NSF).
• Free online and mobile banking with BillPay.
• Checkless account.
• Free paper or electronic statements.
• Free debit card with access to 55,000 surcharge-free ATMs on the Allpoint Network.
• Send money with Zelle®
• FDIC insured.

• Opening a personal checking account at FNCB Bank is an easy and straightforward process.
• Choose which account is best for you.
• Ensure you have the required documents, such as a valid government-issued photo ID (e.g., driver's license, state ID, or passport) and Social Security Number.
• Apply online or in person: You can apply online by clicking the "Open Your Account Today" button on the website or visiting your local FNCB Bank branch to open the account in person.
• Fill out the application.
• Fund your account: You can fund your new account online from another financial institution by electronic transfer (you will need their routing and account numbers) or debit/credit card. In person, you can bring cash or a check.

You can open an FNCB Bank personal checking account online by visiting this link. Here’s what you’ll need:

• To be 18 years of age or older.
• To be a resident of Pennsylvania, New York, or New Jersey.
• Your Social Security Number.
• Valid government-issued identification (driver's license, state ID, or passport),
• If another person is joint on your accounts, they must enter and validate their personal information.
• Fund your account: You can fund your new account online from another financial institution by electronic transfer (you will need their routing and account numbers) or debit/credit card. In person, you can bring cash or a check.

All of our checking accounts require a low minimum deposit of $25.

Under 18, you can be a joint account holder of your personal checking account at FNCB Bank. This means a parent or legal guardian must be a joint account owner. As a minor, you can still enjoy all account benefits, such as a free debit card!

Student Checking is the best checking account for teens and students, with specific benefits that keep your academic life in mind. Click to view more information on this product.

Yes! At FNCB Bank, we offer a selection of personal checking accounts that earn interest. View our comparison chart above to select the right interest-bearing or high-yield checking account for you!

We offer overdraft protection with two different options. The first is Savings Overdraft Protection, which requires you to sign an agreement that allows our bank to transfer funds from your FNCB Savings account to your Checking account. The second option is Instant Money, which is a line of credit tied to your bank account for overdraft protection.

To order checks, you will need the following:

• Routing/Transit number 031303132.
• Checking account number.
• Starting number of your next check

Click here to order checks.