Choose the checking account that is right for you. More rewards, better benefits and convenient access leads to easy management of your money. At FCNB, we have the best choice for you.

Our checking accounts include:

  • Direct access to your personal banker.
  • Seamless digital banking experience.
  • Choice of custom designed VISA debit card.
  • Only $25 deposit to open account.
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Real Life Cash Back Checking

Earn cash back with every debit card purchase plus ATM Refunds.

Cash Back – Earn $0.10 Cash Back for every VISA Debit Card transaction, with unlimited rewards per statement cycle1

FREE Nationwide ATM Refunds2 – Use any ATM and receive automatic reimbursement for non-network ATM Fees

Requirements – Qualifying is easy, just meet these minimum qualification cycle requirements to earn rewards:1

  • 10 VISA Debit Card transactions
  • One Direct Deposit or ACH
  • Receive your statements through e-Statements

1 If requirements are not met, a $3.00 service charge will be assessed and cash back and ATM Refunds will not be rewarded. All requirements must be met during the qualifying monthly statement cycle. To count towards the requirements, debit card, direct deposit or ACH transactions must post to the account. Debit card transactions must be a minimum of $1.00 per transaction.

2 Limited per cycle – refund of foreign ATM fees (up to $10) and up to five FCNB foreign ATM withdrawal fees (up to $10).

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Real Life Interest Checking

Earn high interest on account balances plus ATM Refunds.

Earn Interest – 0.51% Annual Percentage Yield (APY) on balances up to and including $10,000. Additional balance above $10,000 earns 0.01% APY.3

FREE Nationwide ATM Refunds2 – Use any ATM and receive automatic reimbursement for non-network ATM Fees

Requirements – Qualifying is easy, just meet these minimum qualification cycle requirements to earn rewards:1

  • 10 VISA Debit Card transactions
  • One Direct Deposit or ACH
  • Receive your statements through e-Statements

 

1 If requirements are not met, a $3.00 service charge will be assessed and interest and ATM Refunds will not be rewarded. All requirements must be met during the qualifying monthly statement cycle. To count towards the requirements, debit card, direct deposit or ACH transactions must post to the account. Debit card transactions must be a minimum of $1.00 per transaction.

2 Limited per cycle – refund of foreign ATM fees (up to $10) and up to five FCNB foreign ATM withdrawal fees (up to $10).

3 When qualifications are not met, the entire balance earns an interest rate of 0.01% APY.

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MyLife Checking

An account with the essentials included.

$3 Monthly Service Charge waived when statements are received through e-Statement or account has an average daily balance of $2,500 or more during the statement cycle.

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Student Life Checking

An essential account for students that earns cash back and ATM Refunds.

Especially for Students age 15 to 24 years old, enrolled in high school or higher education

Cash Back – Earn $0.10 Cash Back for each Visa Debit Card transaction, with unlimited rewards per statement cycle1

FREE Nationwide ATM Refunds2 – Use any ATM, anywhere and we’ll automatically reimburse you for non-network ATM Fees

Requirements – Qualifying is easy, just receive your statements through e-Statements and earn rewards1

 

1 If requirement is not met, cash back and ATM Refunds will not be rewarded. All requirements must be met during the qualifying monthly statement cycle. Debit card transactions must be a minimum of $1.00 per transaction.

2 Limited per cycle – refund of foreign ATM fees (up to $10) and up to five FCNB foreign ATM withdrawal fees (up to $10)

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Fresh Start Checking

Build financial strength with a new beginning.

If you are looking for an opportunity to rebuild your financial strength, choose the Fresh Start Checking account. This is your opportunity to qualify for and open a traditional checking account, even if you have negative banking history with us or another bank.

$10 Monthly Account Maintenance Charge

After 12 months in good standing with a Fresh Start Checking account, you have the option to change to a Real Life Checking Account.

FCNB reserves the right to grant or deny account openings.

Perks You Deserve

Prestige Club

If you are 50 years of age and plus, choose the Real Life Cash Back, Real Life Interest or MyLife Checking Account and enroll in the Prestige Club for free.

  • Complementary Prestige Club Checks (Limited to two orders of checks per year)
  • Discount on Safe Deposit Box Rental Fee
  • No Fees on Money Orders
  • Special Benefits – Opportunities to travel on customized trips, attend seminars and socials
Veterans Club

If you are currently serving or have served as a member of the United States Armed Forces, choose the Real Life Cash Back, Real Life Interest or MyLife Checking Account and become a member of the Veterans Club at no additional cost.

  • Complementary Veterans Club Checks (Limited to two orders of checks per year)
  • No Fees on Money Orders