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Extra money in your checking account? Let’s make the most of it. With a sweep account, your excess funds go straight into an interest-bearing account at the end of the day.

  • Available to business customers with an FNBC business checking account
  • Keep your money working for you, automatically
  • Competitive interest rates1
  • Receive benefits where you need them most:
    • Designate a target checking balance
    • Excess funds automatically swept into an interest-bearing account
    • Tiered rate structure; higher rates on higher balances1
  • Avoid the $25 monthly fee by maintaining a $25,000 minimum balance 

1Rates subject to change at any time

Manage multiple accounts — across multiple business locations — all in one place. A Zero Balance Account houses any and all of your accounts within one centralized account. We see to it that funds are distributed as needed, allowing as much of capital to collect interest as possible. A ZBA is the convenient way to improve cash flow and disburse funds in a way that works best for your company.

  • Perfect for companies with multiple divisions, stores, or operating units
  • More than one ZBA can be linked to the primary account
  • Multiple account balances are concentrated into one, centralized account
    • Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
  • Concentrate funds, eliminating idle balances and simplifying account management
  • Maintain required balances for disbursements while maximizing excess balances
  • Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
  • Eliminate the need for manual transfers between bank accounts
  • Separate statements for each account