Treat yourself—with a new Checking Account!

Our Checking Accounts come with all the extras!

We know it’s not ALL about the featured flavors…

That’s why we pride ourselves in having personalized service—it’s like adding a cherry on top of all the other great extras!

Don’t let time melt away – open your Checking Account today!

I scream, You scream, We all scream for ice cream!
(and a great Checking account!)

ice cream cone

Does your current account have the extra toppings YOU want? Here are just a few features our Checking Accounts include:

Identity Theft Solutions1

Identity theft solutions can help you and your entire family recover from ANY type of identity theft (not just your FNCU accounts). We include this valuable benefit as part of your Checking account1 at no cost to you, because we want to help protect you.

Save Money Easily with Round-Up!2

Sign up for Round-up savings, and start building your savings easily and automatically every time you make purchases with your FNCU Visa® debit card. Each purchase gets rounded up to the next dollar and the difference is deposited into your FNCU savings account.

Overdraft Protection3

Overdraft Protection automatically transfers money from your Savings into Checking if you accidentally have a negative checking balance. We do not charge for this feature. (Save yourself the cost of an overdraft fee.)

Loan Discounts4

Receive 0.25% off new loans. (Special loan rates or refinance not eligible for additional discounts.)

To open a checking account, you must have a share savings account which requires a minimum balance of $5. To qualify for a checking account, you must meet certain eligibility requirements. Certain checking accounts have a monthly service fee or a minimum balance fee. Parent/guardian required for account holders under 19. For more information on our fees for checking, visit
All checking products and services are subject to applicable member agreements, terms and conditions.

1) Secure and Premier checking accounts include Identity Theft Solutions; Classic checking does not. For more information, visit

2) Round-up requires enrollment agreement and an FNCU debit card. Learn more at

3) Checking accounts are automatically enrolled with primary savings as a backup funding source in the instance that an overdraft occurs. If checking account does not have enough money to cover a transaction, funds from a linked savings account will automatically transfer (if available). If there are not enough funds available between checking and savings, the transaction may be declined or subject to an overdraft fee.

4) All loans subject to approval. Rates, terms and conditions vary based on creditworthiness, qualifications, verification of sufficient monthly income and collateral conditions. Discount applies to new money only. Some types of loans do not qualify for the discount. Other restrictions may apply.