Business Checking Accounts

As a community bank, serving our local communities since 1975, we pride ourselves on building strong, long-standing relationships with our business customers. We are there with you from the time you open your business through every step of your growth and expansion. We understand each business has unique needs and we offer a variety of business banking options and work closely with you to determine which product is the best fit for your business’ needs and transaction volume. From Business Checking accounts and Business Money Market accounts to Small Business Loans and Business Lines of Credit, our business banking products are designed with your growing business in mind.

All of our Business Checking accounts come with these great benefits:

Business Checking

Our Business Checking account is designed for your day-to-day small business needs.

Business Analysis Checking

Our Business Analysis Checking Account is perfect for larger size businesses with heavy check writing activity and cash transactions.

Business Interest Checking

As your business grows, our Business Interest Checking account is there to meet your growing business banking needs with the added benefit of earning interest on your money.

First Preferred Business Checking 

The Business checking account that helps protect your money, business, and employees with the Business Sense suite of benefits.

For Your Business

Data Breach Solutions

Data breach readiness, response and resolution plan, including consultation with a data breach specialist in the event your business suffers a data breach. This includes assistance with the customer notification process as well as resolution assistance for customers in the event they are compromised by your breach. (Resolution assistance is limited to up to 25,000 customers and is for identity fraud that has been verified.)

Legal Services¹

Access to a network of skilled attorneys offering unlimited initial phone consultations for new legal matters during business hours. Attorneys can conduct a legal review of up to five (5) documents each quarter (up to ten (10) pages each), make outbound calls or draft letters on behalf of your business (limited to two (2) per month). Service also includes up to 10 collection letters per quarter and face-to-face consultations for each new legal matter (limited to a 30-minute duration). Additional legal services are available at a discounted hourly rate, guaranteed to be 40% lower than the standard hourly rate.

Small Business Monitoring**

Defend – Monitor the depths of the web for compromised business information and get alerted promptly if we find a match.
Restore – Access to specialists who can help determine if there has been identity theft and guide you through the necessary restoration activities.

Private WiFi**²

Connect with confidence with the Business Sense Private WiFi’s Virtual Private Network (VPN). Banklevel security using 256-bit SSL encryption. Easy to use anywhere – activates automatically if unsecure network detected. Private WiFi comes with ten (10) available downloads for use on various devices for your business.

For Business Owners³

Identity Fraud Resolution Services

Should you personally suffer identity theft, your very own fraud resolution specialist will help you every step of the way until your identity is restored.

Identity Theft Expense Reimbursement¹

Up to $1,000,000 identity theft expense reimbursement should you personally become the victim of identity fraud. Coverage includes replacement of stolen funds linked to unauthorized electronic transfers, and coverage for expenses incurred to restore your identity.

NOTE: Identity Theft Protection services are for personal identity fraud for the business owner. Expense reimbursement does not cover unauthorized electronic fund transfers related to the business. Monitoring service must be active at the time of discovery.

High Risk Transactions Monitoring**

Alerts are sent to warn you if someone is using your identity to conduct a high-risk transaction at hundreds of participating banks, brokerages, payment services, cellular providers, insurance companies, retailers, and more. Alerts may include new accounts, password resets, name and/or address changes, and funds transfers. Alerts are provided by email and optional SMS text.

Credit File Monitoring**

Daily single-bureau credit file monitoring and automated alerts of key changes to your credit report.

Identity Monitoring**

Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified.

Credit Report and Score**⁴

Access to single-bureau credit report and credit scores.

Social Media Monitoring**

Help to protect your social media presence from threats and risks ranging from hacked accounts to online risks and reputational damage. Your social media accounts are monitored for indicators that your accounts have been taken over. When detected, you are alerted so you can take the appropriate action to protect your accounts.

Cell Phone Protection¹

Receive up to $800 of replacement or repair costs if your personal cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Maximum of two claims and $1,000 per First Preferred Business Checking account per twelve-month period and covers up to four phones. Cell phone bill must be paid using any First National Community Bank checking, savings or credit card account.

For Business Owners and Employees

Identity Fraud Resolution Services

Should your employee suffer identity theft, they will have access to their very own fraud resolution specialist who will help them every step of the way until their identity is restored.

Travel and Leisure Discounts**

Money-saving discounts from thousands of local and national businesses. (available via mobile or web only)

$hopping Rewards^TM**

Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it's that easy!

Telehealth**⁵

Access to 24/7 video or phone visits with U.S.-based board-certified, licensed, and credentialed doctors ready to help with urgent care or mental health for you and your family. All with zero copays. This is NOT insurance.

Health Discount Savings**

Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.

Disclosures:

Wire, ACH and RDC Services Require Approval; Fees Apply.
^*Benefits require registration/activation.

¹ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and/or insurance documents can be found on FNCBank.MyBusinessSense.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

² Compatible with AppleTM, WindowsTM and AndroidTM. Laptops: Windows running Windows 10 and above and Macs running OS X 10.10 Yosemite and above. Tablets and Smartphones: Android Phone and tablet devices running Android 6 and above and Apple iPhone, iPod and iPad devices running iOS 12 and above.

³ Eligibility: Benefits are available to primary checking account owner and one (1) additional account owner (“Business Owner(s)”). Benefits are not available to a “signer” on the account who is not an account owner or Business Owner.

⁴ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

⁵ Available to Business Owner(s) and Employees.