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Personal Checking Accounts

As a community bank, personal checking accounts are personal to us. We take the time to personally get to know each and every one of our customers, always providing superior service and having the success of your financial future top of mind.

Our personal checking accounts make managing your finances safer and easier and come with great benefits. We offer a variety of checking accounts designed to meet your checking account needs and fit your lifestyle.

All of our checking accounts come with these great benefits:

  • Online Banking with Bill Pay
  • eStatements
  • Debit Card
  • Mobile App
  • Apple Pay, Google Pay and Samsung Pay
  • FNCB 24 Hour Teller Phone Line

First Preferred Checking

Simplify your finances with a checking account that comes packed with rewards and added benefits!

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  • Earns Interest
  • Online Banking with Bill Pay
  • eStatements
  • Debit Card
  • Mobile App
  • Apple Pay, Google Pay and Samsung Pay
  • FNCB 24 Hour Teller Phone Line
  • $5 Maintenance Service Fee (if balance falls below $500)
  • Minimum required to open this account is $100

$hopping Rewards

Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (Registration/activation required. Available online only)

Travel and Leisure Discount Membership

Enjoy money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere and anytime. (Registration/activation required. Available online only)

Identity Theft Protection

Help better protect your identity . You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service1, can help better protect your identity in the following ways:

Identity Theft Expense Reimbursement Coverage2
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

Debit and Credit Card Registration Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required).

Credit File Monitoring3
Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports. (Registration/activation required).

Credit Report and Score
Access credit reports and score. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required).

Identity Monitoring
Monitoring of over 1,000 databases. (Registration/activation required).

Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required).

Protection From Unexpected Losses

Accidental Death & Dismemberment Insurance2
Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance (coverage divides equally on joint accounts and reduces by 50% at age 70).

Cellular Telephone Protection2
Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve-month period. Covers up to three phones on a cellular telephone bill.(cellular telephone bill must be paid using eligible account.)

Debit Advantage® Buyer’s Protection2 & Extended Warranty2
Buyer’s Protection covers items for ninety days from the date of purchase against accidental breakage, fire or theft. Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with eligible account.)

Save on health care

Health Discount Savings
Enjoy savings on vision, prescriptions and dental services This is NOT insurance. (Registration/activation required).

1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

3 Credit file monitoring may take several days to begin following activation. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.

First Preferred Plus Checking (Age 50+)

If you are at least 50 years of age, First Preferred Plus Checking may be right for you.

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  • Unlimited Check Writing
  • Earns Interest
  • Online Banking with Bill Pay
  • eStatements
  • Debit Card
  • Mobile App
  • Apple Pay, Google Pay and Samsung Pay
  • FNCB 24 Hour Teller Phone Line
  • 20% off Safe Deposit Box Rental
  • First Order of Checks Free
  • No Monthly Maintenance Service Fee
  • Minimum required to open this account is $50

ADDITIONAL BENEFITS

  • All of the Additional Benefits of First Preferred Checking Included
  • Identity Theft Reimbursement Coverage2
    Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services
    Should you suffer identify theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
    **Click here to view the everyday benefits of this account**


2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

Free Checking

They say the best things in life are free. We tend to agree that our free checking account is among the best.

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  • No Monthly Maintenance Service Charge
  • Online Banking with Bill Pay
  • eStatements
  • Debit Card
  • Mobile App
  • Apple Pay, Google Pay and Samsung Pay
  • FNCB 24 Hour Teller Phone Line
  • Minimum required to open this account is $50

ADDITIONAL BENEFITS

  • Free Checks (1 Order Annually)
  • Unlimited Check Writing
  • Overdraft Protection Available

Interest Checking

Get more out of your checking account by earning interest while taking advantage of our checking account benefits.

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  • Earns Interest
  • Online Banking with Bill Pay
  • eStatements
  • Debit Card
  • Mobile App
  • Apple Pay, Google Pay and Samsung Pay
  • FNCB 24 Hour Teller Phone Line
  • Minimum required to open this account is $50
  • Low $5 Maintenance Service Fee (if balance falls below $1,000)

ADDITIONAL BENEFITS

  • Unlimited Check Writing
  • Overdraft Protection Available

COMPARE PERSONAL CHECKING ACCOUNTS

Personal Checking Accounts First Preferred Checking First Preferred PLUS Checking (Age 50+) Free Checking Interest Checking
Monthly Maintenance Fee $5 (if balance falls below $500) $0 $0 $5 (if balance falls below $1,000)
Minimum Amount To Open $100 $50 $50 $50
Included Benefits
Online Banking with Bill Pay yes yes yes yes
eStatements yes yes yes yes
Debit Card yes yes yes yes
Mobile App yes yes yes yes
Apple Pay, Google Pay and Samsung Pay yes yes yes yes
FNCB 24 Hour Teller Phone Line yes yes yes yes
Earns Interest yes yes   yes
Unlimited Check Writing yes yes yes yes
$hopping Rewards yes yes    
Identity Theft Protection yes yes    
Identity Theft Reimbursement yes yes    
Travel & Leisure Discount yes yes    
Accidental Death & Dismemberment Insurance yes yes    
Cellular Telephone Protection yes yes    
Healthcare Discount Savings yes yes    
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