Checking

Real Life Solutions for You

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

Real Life Rewards Checking

CHOOSE CASH BACK

Cash Back - Earn $0.15 Cash Back for every VISA Debit Card transaction2

FREE Nationwide ATM Refunds3 - Use any ATM and receive automatic reimbursement for non-network ATM Fees

FREE Electronic Banking Package

FREE VISA Debit Card

Overdraft Forgiveness - One-time overdraft fee elimination

Only $25 Deposit to Open

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

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

1 If requirements are not met, a $2.00 service charge will be assessed and cash back/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 Up to $15.00 per qualification cycle. Debit card transactions must be a minimum of $1.00 per transaction.
3 Limited per cycle - refund of foreign ATM fees (up to $10) and up to five FCNB foreign ATM withdrawal fees (up to $10). 

Real Life Interest Checking

CHOOSE INTEREST

4.01% Annual Percentage Yield (APY) on balances up to and including $10,000. Additional balance above $10,000 earns 0.01% APY.4

FREE Nationwide ATM Refunds3 - Use any ATM and receive automatic reimbursement for non-network ATM Fees

FREE Electronic Banking Package

FREE VISA Debit Card

Overdraft Forgiveness - One-time overdraft fee elimination

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

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

1 If requirements are not met, a $2.00 service charge will be assessed and cash back/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.
3 Limited per cycle - refund of foreign ATM fees (up to $10) and up to five FCNB foreign ATM withdrawal fees (up to $10).
4 When qualifications are not met, the entire balance earns an interest rate of  0.01% APY.

MyLife Checking

BASIC CHECKING FOR ALL

FREE Electronic Banking Package

FREE VISA Debit Card

Only $25 Deposit to Open

$3 Monthly Service Charge waived when statements are received through e-Statement

Fresh Start Checking

Kick Off A New You

If you are looking for an opportunity to rebuild your financial strength, choose FCNB’s 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*. We believe everyone deserves a Fresh Start!

Electronic Banking Package

VISA Debit Card

$10 Monthly Account Maintenance Charge

Qualify for a Real Life Checking Account - After 12 months in good standing with a Fresh Start Checking account, you can request to move to a Real Life Checking Account

*FCNB reserves the right to grant or deny account openings.

Student Life Checking

The Smart Choice

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

FREE Electronic Banking Package

FREE VISA Debit Card

No monthly service charge

Cash Back - Earn Cash Back on your everyday transactions. Just use your Visa Debit Card and earn $0.15 Cash Back for each Visa Debit Card transaction1

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

Overdraft Forgiveness - One-time overdraft fee elimination coupon3

1 Up to $15.00 per qualification 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)
3 Must present coupon to receive fee elimination

Prestige Club

You Deserve More!

If you are 50 years of age and plus, you can join the Prestige Club for FREE. Just choose the Real Life Checking Account and enroll in the Prestige Club at no additional cost.

FREE Personalized Prestige Club Checks

Special Benefits - Opportunities to travel on customized trips, attend seminars and socials

No Fees - on Money Orders or Cashier’s Checks

Veterans Club

Honoring Your Service

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

FREE Personalized Veterans Club Checks

No Fees - on Money Orders or Cashier’s Checks