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.

Free Checking

Everyone Loves Free

FREE Electronic Banking Package

FREE VISA Debit Card

Only $25 Deposit to Open

No monthly service charge

Real Life Checking

Checking That Pays

4.01% Annual Percentage Yield (APY) on balances up to and including $10,000. Additional balance above $10,000 earns 0.01% APY.1

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

FREE Electronic Banking Package

FREE VISA Debit Card

Overdraft Forgiveness - One-time overdraft fee elimination coupon3

Requirements - Qualifying is easy, just meet these minimum qualification cycle requirements:4

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

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

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

4 If requirements are not met, a $2.00 service charge will be assessed and interest 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 must post to the account. Debit card transactions must be a minimum of $1.00 per transaction.

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

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

Real Life Extras

Available on All Accounts

Entertainment SaversGuide - Take advantage of travel and entertainment discounts year-round.

Gift Card Discounts1 - Get up to 20% off gift cards at your favorite retail stores, restaurants and convenience stores. Convenient to purchase, easy to use and no hidden fees or expiration dates.

Buyer’s Protection & Extended Warranty - All purchases are protected against accidental breakage, fire, loss or theft for 90 days. Most items purchased under warranty are automatically covered by an extended one year warranty.

$5,000 Identity Fraud Expense Reimbursement Coverage with Identity Theft Resolution Services2 - Reimbursement for expenses related to restoring your credit history and identity profiles in the event of an incident.

Credit File Monitoring3 - Prevent identity fraud with automatic monitoring of your credit report for changes, as well as unlimited online access to TransUnion, Experian and Equifax Credit Reports.

Insurance Policy4 - Insured members are covered for death or dismemberment caused by an accidental injury. $10,000 AD&D Insurance, $1,500 Dependent Child AD&D Insurance and $20,000 Common Carrier AD&D Insurance.

Only $6.95 per month! Sign up today!

To access your Real Life Extras benefits, log into www.eclubonline.net

1 Terms and conditions apply.

2 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc.

3Credit file monitoring services are provided through Equifax Credit Watch™ Gold. Equifax, Equifax Credit Report, and Equifax Credit Watch are trademarks of Equifax Inc. Equifax's credit monitoring products are protected under U.S. Patent No. 7,208,052. Members will have unlimited online access to their Equifax Credit Report™.

4Plateau Insurance Company of Crossville, TN. Is our Accidental Death & Dismemberment Insurance underwriter. Your new insurance Description of Coverage is enclosed. For questions regarding claims or your coverage, call 1-866-210-0361. Please keep a copy of this letter with your important insurance papers.

Insurance Products: Not guaranteed by FDIC or any federal government agency - Not a deposit of or guaranteed by the bank or any bank affiliates.

Special Insurance Program Notes: The descriptions herein are summaries only and intended for informational purposes only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Insurance is offered through the company named on the certificate of insurance.