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FNCB Bank Review

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FNCB Bank Savings
0.03% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

FNCB Bank started in 1910 with headquarters located in Dunmore, Pennsylvania. FNCB Bank manages assets of $1 billion along with deposits totaling $1 billion, making it a medium-size bank. FNCB Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. We gave FNCB Bank a 4.2 out of 5 stars, which means it is a great bank that you should seriously consider. FNCB Bank offers multiple banking products, including savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. FNCB Bank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, FNCB Bank's standard checking does not carry a monthly fee. Using a bank with free checking as well as a high savings APY is your best bet for gaining the highest income from your deposits while having easy access to your money.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.0
SmartAsset Average: 3.5

FNCB Bank has a savings rate of 0.03%, which is fair in comparison to the average U.S. bank. FNCB Bank's one-year CD earns at a rate of 0.50% and the five-year CD earns at a rate of 1.15%, while its highest-yielding money market account earns at an APY of 0.10%. Given FNCB Bank's poor savings rate, you should think about choosing another bank to earn more on your deposits.

How FNCB Bank's Savings Rates Compare

FNCB Bank Savings 0.03 National Average 0.26 Compare Offers
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Fees

4.5
SmartAsset Average: 4.4

FNCB Bank has generally low fees in comparison to the national average. FNCB Bank's checking account has no monthly fee, which makes it excellent for anyone looking for a simple account. Additionally, at $35.00, FNCB Bank has a lower overdraft fee compared to that of other U.S. banks. FNCB Bank does not refund out-of-network ATM charges, which means you will need to find a FNCB Bank ATM or eat the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

4.2
SmartAsset Average: 3.7

FNCB Bank is a brick-and-mortar bank, with 17 total bank locations in Pennsylvania. It also offers access to mobile and web apps for easy access and banking on the go. It does not provide access to all-day customer service with representatives. You can get help during its hours, which are Monday through Friday, 8:30 a.m. to 5:00 p.m. ET; Saturday, and 9:00 a.m. to 12:00 p.m. ET. FNCB Bank's online and mobile banking services receive great feedback from users. With 370 customer reviews on both Apple and Android platforms, the FNCB Bank mobile app rates a 4.5 out of 5 (compared to the national average of 3.8). You can access FNCB Bank's app to manage your accounts by checking current statements, transferring funds and accessing customer service. FNCB Bank receives an exceptional consumer satisfaction score based on relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 4.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.9
SmartAsset Average: 4.8

FNCB Bank is currently a medium-size bank with $1 billion in assets and $1 billion in deposits. FNCB Bank's Texas Ratio is 2.64%, signifying a low chance of failure. Additionally, FNCB Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare FNCB Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.03% APY $300
Checking Account 0.05% APY $1500
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 0.50% APY
  • 36 Month: 0.70% APY
  • 48 Month: 0.80% APY
  • 60 Month: 1.15% APY
$1000 for all terms
Money Market Accounts 0.1% APY 0.1% APY $10000 $15000

FNCB Bank has several deposit products like savings accounts, checking accounts and CDs to give you many options to manage your money. FNCB Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. FNCB Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a FNCB Bank Near Me

FNCB Bank has 17 locations across the U.S.

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