FNBC Bank is proud to offer a variety of accounts for our customers. No matter your stage in life, your balance, or what features you prefer, we have an account that fits.

Slate-Icon

Slate Checking offers all of the conveniences you would expect from a checking account offered at your local community bank with the technology offered at larger banks. It’s the perfect account for individuals who only need the basics from a checking account.

Cobalt-Icon

Cobalt Checking is much more than just a checking account. Cobalt Checking allows you to add an extra layer of security for yourself and your family with IDProtect®¹. This product gives you access to 3-in-1 credit bureaus and credit monitoring, and allows you to monitor your credit cards and Social Security number. Users can sign up to receive text or email alerts promptly if fraud is detected.

¹IDProtect® service is a personal identity theft protection service available to Cobalt Checking account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

Other features of IDProtect®
  • Fully-Managed Recovery
    • Fully-Managed Resolution — A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your credit and identity is completely restored.
  • Identity Fraud Expense Reimbursement
    • Up to $10,000 Identity Fraud Expense Reimbursement² to cover expenses associated with restoring your identity, including:
      • Attorney fees
      • Loan application fees
      • Long distance phone calls
      • Certified mail and notarized fraud documents
      • Medical records costs
      • Costs for daycare and elder care
      • Travel and accommodations
      • Coverage for wages lost for time taken off work to correct personal records
  • Monitoring
    • Total Identity Monitoring — monitors your name, address, date of birth, and Social Security number in more than 1,000 databases to determine if your identity has been compromised. This is also a good way to protect and preserve your child’s identity. (Registration and activation required.)
  • Triple-Bureau Credit File Monitoring — provides daily monitoring of your credit reports with Equifax, Experian, and TransUnion for key changes to your reports. Alerts are sent via email or text message. (Registration and activation required.)
  • Triple-Bureau Credit Report — request new report every 90 days or upon receipt of a credit alert.
  • Credit Score — receive a new single bureau credit score with every new credit report. (Registration and activation required.)
  • Debit and Credit Card Registration
    • Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration and activation required.)
  • Education Resources/News Center
    • Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration and activation required).
Sapphire-Icon

Interested in a return on your deposit? Sapphire Checking is the perfect solution for customers who prefer to earn interest on their money.

FNBC-Overdraft-Privileges-Icon

Don’t let a small oversight affect your credit. With overdraft privileges, FNBC can cover you should you overdraw your account, allowing you to buy the things you need without being declined or having to pay a costly merchant penalty. Opt-in to this program and rest easy!