We offer several types of personal checking and savings accounts. Choose the one that suits your lifestyle.
Click Here for FDIC Electronic Deposit Insurance Estimator (EDIE)
Requirements
Opening Deposit $100
Service Charges/Fees
Must maintain $500 balance during the statement cycle to avoid a service charge.
- No Service Charge - $500.00+ balance
- $5 Service Charge - $499.99 to $300.00
- $7 Service Charge - Below $300
Activity fee of $0.10 will be charged for each debit transaction in excess of 30 during a statement cycle.
Send money through Zelle
Zelle is a personal payment service that you can use to send money to family, friends, and people you trust in a matter of minutes. To learn more about Zelle, Click Here.
Your first Visa Debit Card for each account signer will be issued for free upon request. You will receive an automatic replacement of that card at expiration of the prior card. Any other requests for replacement cards may incur a replacement fee.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
When you use your FCNB Debit card at a FCNB ATM, you will not be charged a fee.
Deposit a check to your eligible checking or savings account using mobile deposit within the Falls City National Bank app.
Requirements
Opening Deposit $100
Service Charges/Fees
Must maintain $1,500 balance during the statement cycle to avoid a service charge.
- No Service Charge - $1,500.00+ balance
- $6 Service Charge - Below $1,500.00
Activity fee of $0.20 will be charged for each debit transaction in excess of 30 during a statement cycle.
Rate Information
The interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded monthly and will be credited to your account monthly.
Your first Visa Debit Card for each account signer will be issued for free upon request. You will receive an automatic replacement of that card at expiration of the prior card. Any other requests for replacement cards may incur a replacement fee.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
When you use your FCNB Debit card at a FCNB ATM, you will not be charged a fee.
Deposit a check to your eligible checking or savings account using mobile deposit within the Falls City National Bank app.
Requirements
Opening Deposit $100
Available to students up to age 19. After age 19, you must provide proof of enrollment in an institute of higher education every year.
Service Charges/Fees
No service charges.
No transaction limits.
Send money through Zelle
Zelle is a personal payment service that you can use to send money to family, friends, and people you trust in a matter of minutes.
Your first Visa Debit Card for each account signer will be issued for free upon request. You will receive an automatic replacement of that card at expiration of the prior card. Any other requests for replacement cards may incur a replacement fee.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
When you use your FCNB Debit card at a FCNB ATM, you will not be charged a fee.
Deposit a check to your eligible checking or savings account using mobile deposit within the Falls City National Bank app.
Requirements
Opening Deposit $100
Must be at least 62 years old.
Service Charges/Fees
No service charges.
No transaction limits.
Send money through Zelle
Zelle is a personal payment service that you can use to send money to family, friends, and people you trust in a matter of minutes.
Your first Visa Debit Card for each account signer will be issued for free upon request. You will receive an automatic replacement of that card at expiration of the prior card. Any other requests for replacement cards may incur a replacement fee.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
When you use your FCNB Debit card at a FCNB ATM, you will not be charged a fee.
Deposit a check to your eligible checking or savings account using mobile deposit within the Falls City National Bank app.
Requirements
Opening Deposit $100
Service Charges/Fees
Must maintain $1,500 balance during the statement cycle to avoid a service charge.
- No Service Charge - $1,500.00+ balance
- $7 Service Charge - Below $1,500.00
You must maintain a minimum balance of $1,500 each day to obtain the disclosed APY. If the balance falls below $1,500 during the period, the interest rate will be reduced to the Savings account rate.
Activity fee of $2.00 will be charged for each debit transaction in excess of 6 during a statement cycle
Rate Information
The interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded monthly and will be credited to your account monthly.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
Requirements
Opening Deposit $100
Service Charges/Fees
Must maintain $300 balance during the statement cycle to avoid a service charge.
- No Service Charge - $300.00+ balance
- $3 Service Charge - Below $300.00
Activity fee of $2.00 will be charged for each debit transaction in excess of 2 during a statement cycle.
Rate Information
The interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded quarterly and will be credited to your account quarterly.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
Requirements
Opening Deposit $100
Service Charges/Fees
Must maintain $100 balance during the statement cycle to avoid a service charge.
- No Service Charge - $100.00+ balance
- $3 Service Charge - Below $100.00
Activity fee of $2.00 will be charged for each debit transaction in excess of 2 during a statement cycle.
Rate Information
The interest rate and annual percentage yield may change weekly. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). We use the daily balance method to calculate interest on your account. Interest will be compounded quarterly and will be credited to your account quarterly.
With a deposit account with FCNB, you can utilize the convenience of online banking and our mobile app to bank from home or on the go. You can check balances, make transfers, set balance alerts, pay bills, and obtain your eStatement all at your fingertips. Must have internet access to enroll in online banking.
For information on commercial accounts Click Here
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.
