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:
Cash Back – Earn $0.10 Cash Back for every Visa Debit Card transaction, with unlimited rewards per statement cycle.1
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
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 statement cycle – refund of foreign ATM fees (up to $20)
Earn Interest – 1.00% 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
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 statement cycle – refund of foreign ATM fees (up to $20)
3 When qualifications are not met, the entire balance earns an interest rate of 0.01% APY. $25 minimum opening deposit required. Fees may reduce earnings. Rate effective August 23, 2023. Rates subject to change at any time.
$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.
Especially for Students up 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 statement cycle – refund of foreign ATM fees (up to $20)
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.
With the Cents 2 Save program, every time you make a purchase with your FCNB debit card, we’ll round the amount up to the next dollar and transfer the difference to a linked account – automatically! Plus, it’s free to enroll!
Here’s what you need at FCNB Bank:
Here’s how to enroll in Cents 2 Save:
Put the power of savings in your pocket with Cents 2 Save!
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.
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.
