We will be CLOSED Monday, September 1, 2014 in observance of Labor Day

Personal Banking

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Overdraft Protection


We never plan to be overdrawn, so instead of dealing with the fees and possible embarrassment of bounced checks, FNBNC offers two ways that you can eliminate the worry of overdrawing your account.

FirstLine Overdraft Protection

Once your application is approved and processed you can access up to the line of credit limit to cover any overdrafts from check writing, ATM withdrawals or Point of Sale purchases.

Security First (this overdraft protection is not a loan, it is a savings account)

Open and deposit funds into a Security First savings to save money and earn interest. If your designated Personal Checking or Interest Checking should become overdrawn, your money will transfer from your Security First to your designated FNBNC checking account to cover the overdraft.

Contact your local branch for more details.