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.

Ready to get started? Open your new account online here.

FNBC Slate

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.

FNBC Cobalt

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.

IDProtect® 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 church and their members, schools and their employees/students.



  • IDProtect²
  • Debit Card
  • Online & Mobile Banking
  • Call First 24-hour Banking
  • Bill Pay⁴


  • $100 minimum opening balance
  • $6 per month 
    • $3 waived for Online Banking statements
    • $3 waived for using debit card for 15 point-of-sale purchases per statement cycle
    • $3 waived for those 55+
    • All fees waived with minimum daily balance of $5,000 or greater
FNBC Sapphire

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

FNBC Overdrat Privileges

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!

Reorder Checks

Reorder checks at your convenience with a few clicks of your mouse. Simply visit our check vendor, Harland Clarke®, to place your order.

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Important email disclosure: If using the contact form, please do not include any confidential information including account numbers or Social Security numbers.

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