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6	News | FNC Bank
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247                <a href="/personal/borrow" target="_self" >Borrow
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274                <a href="/personal/borrow/personal-loan" target="_self">Personal Loan</a>
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277                <a href="/personal/borrow/student-loan" target="_self">Student Loan</a>
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280                <a href="https://lp.applycommunitycard.com/?merchantId=O4PKTIBOWB" target="_blank">Personal Credit Cards</a>
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287                <a href="/personal/manage" target="_self" >Manage
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294                        <a href="/personal/manage" class="nav-dd-title" target="_self" >Manage
295                            <span class="right-caret"></span>
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298                                <li class="">
299                <a href="/personal/manage/online-banking" target="_self">Online Banking</a>
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301            <li class="">
302                <a href="/personal/manage/mobile-banking" target="_self">Mobile Banking</a>
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304            <li class="">
305                <a href="/personal/manage/bill-pay" target="_self">Bill Pay</a>
306            </li>
307            <li class="">
308                <a href="/personal/manage/italk" target="_self">iTalk</a>
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310            <li class="">
311                <a href="/personal/manage/estatements" target="_self">eStatements</a>
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313            <li class="">
314                <a href="/personal/manage/alerts-account-card-activity" target="_self">Alerts: Account &amp; Card Activity</a>
315            </li>
316            <li class="">
317                <a href="/personal/manage/wire-transfers" target="_self">Wire Transfers</a>
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319            <li class="">
320                <a href="/personal/manage/moneypass-atms" target="_self">MoneyPass ATMs</a>
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331        <li class="dropdown">
332            <a href="#" data-toggle="dropdown" class="dropdown-toggle">Mortgage
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339                     <svg version="1.1" class="nav-svg" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px"
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350                <a href="/mortgage/home-loans" target="_self" >Home Loans
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357                        <a href="/mortgage/home-loans" class="nav-dd-title" target="_self" >Home Loans
358                            <span class="right-caret"></span>
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362                <a href="/mortgage/home-loans/conventional-loans" target="_self">Conventional Loans</a>
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365                <a href="/mortgage/home-loans/jumbo-loans" target="_self">Jumbo Loans</a>
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368                <a href="/mortgage/home-loans/usda-rural-development" target="_self">USDA Rural Development</a>
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371                <a href="/mortgage/home-loans/lot-loans" target="_self">Lot Loans</a>
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374                <a href="/mortgage/home-loans/construction-loans" target="_self">Construction Loans</a>
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377                <a href="/mortgage/home-loans/refinance" target="_self">Refinance</a>
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379            <li class="">
380                <a href="/mortgage/home-loans/heloc" target="_self">HELOC</a>
381            </li>
382            <li class="">
383                <a href="https://www.fnc.bank/mortgage/apply-for-a-mortgage" target="_self">Apply Online</a>
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385
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390                <a href="/mortgage/mortgage-rates" target="_self" >Mortgage Rates
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409                <a href="/mortgage/why-choose-fnc-bank" target="_self" >Mortgage Resources
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421                <a href="/mortgage/why-choose-fnc-bank/meet-our-lenders" target="_self">Meet Our Lenders</a>
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427                <a href="/mortgage/why-choose-fnc-bank/downpayment-plus-program" target="_self">Downpayment Plus Program</a>
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429            <li class="">
430                <a href="https://www.fnc.bank/docs/default-source/default-document-library/escrow-explained.pdf?sfvrsn=5032e405_1" target="_self">Escrow Explained</a>
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708<div >
709    <div class="sfContentBlock sf-Long-text" ><h1>Bank News &amp; Financial Literacy</h1></div>
710</div>
711
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724<div>
725    <ul class="list-unstyled post-list">
726            <li >
727                <h2>
728					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/09/15/note-from-our-ceo--ever-think-about-freezing-your-kids">Note from our CEO: Ever Think About Freezing Your Kids?</a>
729				</h2>
730
731				<div class="content" >No, it’s not some new discipline fad for parents. Neither is it a way to slow your overly energetic children down to a manageable level. It’s really an act of compassion that could save your entire family a great deal of time, money, and aggravation. Read on.</div>
732
733												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/09/15/note-from-our-ceo--ever-think-about-freezing-your-kids" >
733Read More<span class="visuallyhidden"> about Note from our CEO: Ever Think About Freezing Your Kids?</span></a>
734			</li>
735            <li >
736                <h2>
737					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/09/01/national-preparedness-month--simple-steps-for-peace-of-mind">National Preparedness Month: Simple Steps for Peace of Mind</a>
738				</h2>
739
740				<div class="content" >September is National Preparedness Month, and it's the perfect time to plan ahead. Preparedness isn't about worry—it's about confidence and protecting what you've built. Here are practical steps to strengthen your finances, your home, and your business this month.</div>
741
742												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/09/01/national-preparedness-month--simple-steps-for-peace-of-mind" >Read More<span class="visuallyhidden"> about National Preparedness Month: Simple Steps for Peace of Mind</span></a>
743			</li>
744            <li >
745                <h2>
746					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/26/how-to-set-your-college-child-up-for-financial-success">How to Set Your College Child Up for Financial Success</a>
747				</h2>
748
749				<div class="content" >Sending your child off to college is a proud milestone—but it comes with real responsibilities. Among the most important? Making sure they're financially prepared for what lies ahead. From managing day-to-day expenses to building healthy money habits, setting your college student up for financial success starts before they ever step foot on campus.</div>
750
751												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/26/how-to-set-your-college-child-up-for-financial-success" >Read More<span class="visuallyhidden"> about How to Set Your College Child Up for Financial Success</span></a>
752			</li>
753            <li >
754                <h2>
755					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/20/your-fnc-bank-debit-card-just-got-better">Your FNC Bank debit card just got better!</a>
756				</h2>
757
758				<div class="content" >At FNC Bank, we pride ourselves on listening to our customers and continuously striving to enhance your banking experience. In response to your valuable feedback, we’re excited to introduce our new contactless debit cards. This innovative feature is designed to make your transactions faster, safer, and more convenient than ever before.</div>
759
760												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/20/your-fnc-bank-debit-card-just-got-better" >Read More<span class="visuallyhidden"> about Your FNC Bank debit card just got better!</span></a>
761			</li>
762            <li >
763                <h2>
764					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/12/fnc-bank-s-school-supply-drive---a-community-success">FNC Bank’s School Supply Drive – A Community Success</a>
765				</h2>
766
767				<div class="content" >FNC Bank’s School Supply Drive held in July was a remarkable success! We received almost 800 donated items to support local students – far above our goal of 500. Thanks to the generosity and support of our customers, employees, and community members, we were able to come together to help students start the school year prepared and ready to learn.</div>
768
769												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/08/12/fnc-bank-s-school-supply-drive---a-community-success" >Read More<span class="visuallyhidden"> about FNC Bank’s School Supply Drive – A Community Success</span></a>
770			</li>
771            <li >
772                <h2>
773					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/07/09/note-from-our-ceo--legacies-have-never-been-more-important-for-both-of-us">Note from our CEO: Legacies Have Never Been More Important—For Both of Us</a>
774				</h2>
775
776				<div class="content" >Over the course of their lives, older generations, particularly the "Baby Boomers”, have built up a remarkable amount of wealth. Experts call what's coming next "the great wealth transfer." By the year 2048, an estimated $124 trillion in assets will pass from one generation to the next. That shift has already begun, and it will only pick up speed in the years ahead.</div>
777
778												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/07/09/note-from-our-ceo--legacies-have-never-been-more-important-for-both-of-us" >
778Read More<span class="visuallyhidden"> about Note from our CEO: Legacies Have Never Been More Important—For Both of Us</span></a>
779			</li>
780            <li >
781                <h2>
782					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/07/01/protecting-our-seniors--fraud-prevention-tips-worth-keeping-all-year">Protecting Our Seniors: Fraud Prevention Tips Worth Keeping All Year</a>
783				</h2>
784
785				<div class="content" >Last month was Elder Abuse Month, a time our community came together to spotlight a serious issue: fraud targeting older adults. While June has passed, the lessons stay just as urgent. Scammers grow more clever every year, but with a little knowledge and teamwork, we can keep our seniors safe, confident, and connected.</div>
786
787												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/07/01/protecting-our-seniors--fraud-prevention-tips-worth-keeping-all-year" >Read More<span class="visuallyhidden"> about Protecting Our Seniors: Fraud Prevention Tips Worth Keeping All Year</span></a>
788			</li>
789            <li >
790                <h2>
791					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/06/29/the-risks-of-money-in-apps">The Risks of Money in Apps</a>
792				</h2>
793
794				<div class="content" >The Consumer Financial Protection Bureau (CFPB) recently issued a notice to consumers warning those who store money in popular payment apps like Venmo, PayPal, or Cash App that their funds may not be safe if these apps lack federal deposit insurance coverage. Payment apps, also called peer-to-peer or P2P apps, have grown in popularity and make it easy for consumers to purchase items from retailers, pay back a friend for dinner, and even tip street performers. In fact, the Pew Research Center says more than three-quarters of adults in the United States use a P2P app, and the CFPB estimates $893 billion in transactions were made on these apps last year alone.</div>
795
796												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/06/29/the-risks-of-money-in-apps" >Read More<span class="visuallyhidden"> about The Risks of Money in Apps</span></a>
797			</li>
798            <li >
799                <h2>
800					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/06/17/expanding-business-services-with-our-new-cash-management-specialist">Expanding Business Services with Our New Cash Management Specialist</a>
801				</h2>
802
803				<div class="content" >Meet Cole Rutledge, Cash Management Specialist — a new role created specifically to help our business and municipal clients manage their finances with greater ease and confidence.
804
805Cole is here to support your organization with a full range of treasury services, including ACH processing, wire transfers, remote deposit capture, positive pay fraud prevention, and merchant services. The goal is straightforward: help your business improve cash flow, reduce risk, and simplify day-to-day financial operations.</div>
806
807												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/06/17/expanding-business-services-with-our-new-cash-management-specialist" >Read More<span class="visuallyhidden"> about Expanding Business Services with Our New Cash Management Specialist</span></a>
808			</li>
809            <li >
810                <h2>
811					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/26/remodel-benefits">Top Benefits of Remodeling Your Home</a>
812				</h2>
813
814				<div class="content" >Your home is more than just a place to live; it’s a space that should grow and change with you—especially here in Wisconsin, where the changing seasons and lifestyle call for versatility and comfort. Over time, your needs evolve, and your home might need an update to keep up. A home remodel is an excellent way to refresh your living space, making it more functional, comfortable, and valuable. Whether you're considering a small update or a major renovation, the benefits can be transformative.</div>
815
816												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/26/remodel-benefits" >
816Read More<span class="visuallyhidden"> about Top Benefits of Remodeling Your Home</span></a>
817			</li>
818            <li >
819                <h2>
820					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/15/commercial-loan">Fuel Your Business Growth with a Commercial Loan</a>
821				</h2>
822
823				<div class="content" >As a business owner, you're always looking for the next opportunity to grow. Whether it's expanding your team, launching a new product, or simply navigating the day-to-day costs of running a company, having access to capital is crucial. This is where a commercial loan can be a powerful tool, providing the fuel you need to turn your ambitions into reality.</div>
824
825												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/15/commercial-loan" >Read More<span class="visuallyhidden"> about Fuel Your Business Growth with a Commercial Loan</span></a>
826			</li>
827            <li >
828                <h2>
829					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/15/business-loans-explained">Common Types of Business Loans Explained</a>
830				</h2>
831
832				<div class="content" >Perhaps it’s a Wisconsin commercial property that aligns perfectly with your long-term vision. Or maybe it’s new equipment that could double your production capacity. It could even be a contract that demands more inventory than you’re currently able to manage.</div>
833
834												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/15/business-loans-explained" >Read More<span class="visuallyhidden"> about Common Types of Business Loans Explained</span></a>
835			</li>
836            <li >
837                <h2>
838					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/07/penny-request">Note from our CEO about Pennies</a>
839				</h2>
840
841				<div class="content" >Presenting a vision of what the future might look like has been an obsession for creative minds in science, literature, and popular culture for centuries.  In recent years, an endless string of movies has been produced by Hollywood depicting various forms of the apocalypse, whether in the form of a natural disaster, an alien invasion, worldwide epidemic, or just about anything else you can imagine.  My personal favorite is the classic “The Terminator”.  In the highly unlikely event you haven’t seen it, the plot centers on the premise that an artificial intelligence (AI) system named Skynet becomes “self-aware” and on its own initiates a nuclear holocaust.</div>
842
843												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/07/penny-request" >Read More<span class="visuallyhidden"> about Note from our CEO about Pennies</span></a>
844			</li>
845            <li >
846                <h2>
847					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/04/tom-anniversary">Celebrating an Anniversary Milestone at FNC Bank</a>
848				</h2>
849
850				<div class="content" >In April, FNC Bank President, Tom Mews, celebrated his 25-year anniversary with the bank. The Board of Directors congratulated Tom on this monumental achievement thanking him for his loyalty and significant contributions over the years. Tom's steady leadership and dedication over the past 25 years have made a lasting impact on our staff and the communities we serve.</div>
851
852												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/05/04/tom-anniversary" >Read More<span class="visuallyhidden"> about Celebrating an Anniversary Milestone at FNC Bank</span></a>
853			</li>
854            <li >
855                <h2>
856					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/04/03/diaper-drive-results-2026">FNC Bank Diaper Drive Results</a>
857				</h2>
858
859				<div class="content" >FNC Bank hosted a Diaper Drive in March, and we are happy to share that we collected a total of 3,529 diapers and wipes at our branches and online store. For the second year in a row, we’ve exceeded our goal of collecting 3,500 items – thanks to you, our wonderful customers, employees, and community members.</div>
860
861												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/04/03/diaper-drive-results-2026" >
861Read More<span class="visuallyhidden"> about FNC Bank Diaper Drive Results</span></a>
862			</li>
863            <li >
864                <h2>
865					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/13/is-2026-the-year-you-finally-buy-a-home">Is 2026 the Year You Finally Buy a Home?</a>
866				</h2>
867
868				<div class="content" >For the past few years, many potential homebuyers have found themselves in a holding pattern. You might have watched from the sidelines as interest rates fluctuated and inventory vanished, wondering when the right moment to jump in would finally arrive. If you have been waiting for the clouds to part, we have good news: the forecast for 2026 looks significantly brighter.</div>
869
870												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/13/is-2026-the-year-you-finally-buy-a-home" >Read More<span class="visuallyhidden"> about Is 2026 the Year You Finally Buy a Home?</span></a>
871			</li>
872            <li >
873                <h2>
874					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/10/when-tech-makes-community-banking-better">When Tech Makes Community Banking Better</a>
875				</h2>
876
877				<div class="content" >Every business looks for opportunities to streamline the way it does business, whether that be reviewing its product options, examining how its staff works, or re-evaluating how it connects with its customers.  Manufacturing firms which engineer and refine highly technical products depend on having the latest and greatest equipment so they can produce state-of-the-art products for business consumers who demand nothing but the very best for their own enterprises.</div>
878
879												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/10/when-tech-makes-community-banking-better" >Read More<span class="visuallyhidden"> about When Tech Makes Community Banking Better</span></a>
880			</li>
881            <li >
882                <h2>
883					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/05/4-common-credit-myths-debunked">4 Common Credit Myths Debunked</a>
884				</h2>
885
886				<div class="content" >Your credit score is one of the most important numbers in your financial life. It can affect your ability to get a loan, secure the best interest rates, and even influence job opportunities. Despite its importance, credit is often misunderstood—leading to myths that can hurt your financial wellness.</div>
887
888												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/05/4-common-credit-myths-debunked" >Read More<span class="visuallyhidden"> about 4 Common Credit Myths Debunked</span></a>
889			</li>
890            <li >
891                <h2>
892					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/02/reality-fair-2026">Teaching Financial Literacy to the Next Generation</a>
893				</h2>
894
895				<div class="content" >On February 3rd, FNC Bank proudly hosted our 4th Annual FNC Bank Reality Fair at Osceola School District, welcoming Juniors from both Osceola and St. Croix Falls High Schools. This interactive event gave students a hands-on experience of managing real-world finances.</div>
896
897												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/02/reality-fair-2026" >Read More<span class="visuallyhidden"> about Teaching Financial Literacy to the Next Generation</span></a>
898			</li>
899            <li >
900                <h2>
901					<a  href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/02/save-money-on-heating-bills-this-season">Save Money on Heating Bills This Season</a>
902				</h2>
903
904				<div class="content" >As temperatures drop, heating bills tend to rise. With a few smart adjustments, you can lower energy use and save throughout the winter months. This article covers simple habits and low-cost projects to keep your home cozy without breaking the bank.</div>
905
906												<a href="https://www.fnc.bank/resources/information-center/news-literacy/2026/03/02/save-money-on-heating-bills-this-season" >
906Read More<span class="visuallyhidden"> about Save Money on Heating Bills This Season</span></a>
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1060                        <a href="/business/bank/checking-accounts">
1061                            <span class="image">
1062                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/business-checking.png?sfvrsn=172fc38c_2" alt="" title="" loading="lazy" width="200" height="200">
1063                            </span>
1064                            <span class="title">
1065                                Business Checking
1066                            </span>
1067                            <span class="summary">
1068                                
1069                            </span>
1070                    </a>
1071                </div>
1072                <div class="nav-eb nav-eb-1">
1073                    <ul class="neb-links">
1074<li class="eb-link">
1075                                                                                           <a href='/resources/about-us/best-of-the-valley' class='bar-item-inner'>
1076                                    <span class="image">
1077                                            <img src="https://www.fnc.bank/images/default-source/icons/trophy-white.svg?sfvrsn=9804ab1d_1" alt="" title="" loading="lazy" width="40" height="40">
1078                                    </span>
1079                                    <span class="link">
1080                                        Best of the Valley
1081                                    </span>
1082                                </a>
1083                            </li>
1084<li class="eb-link">
1085                                                                                           <a href='/resources/information-center/calculators' class='bar-item-inner'>
1086                                    <span class="image">
1087                                            <img src="https://www.fnc.bank/images/default-source/icons/calculator-white.svg?sfvrsn=5147ee42_1" alt="" title="" loading="lazy" width="40" height="40">
1088                                    </span>
1089                                    <span class="link">
1090                                        Calculators
1091                                    </span>
1092                                </a>
1093                            </li>
1094<li class="eb-link">
1095                                                                                           <a href='/resources/about-us/community-giving' class='bar-item-inner'>
1096                                    <span class="image">
1097                                            <img src="https://www.fnc.bank/images/default-source/icons/community-white.svg?sfvrsn=760cde19_2" alt="" title="" loading="lazy" width="40" height="40">
1098                                    </span>
1099                                    <span class="link">
1100                                        Community Support
1101                                    </span>
1102                                </a>
1103                            </li>
1104<li class="eb-link">
1105                                                                                           <a href='/resources/about-us/testimonials' class='bar-item-inner'>
1106                                    <span class="image">
1107                                            <img src="https://www.fnc.bank/images/default-source/icons/testimonials-white.svg?sfvrsn=b73258d7_1" alt="" title="" loading="lazy" width="40" height="40">
1108                                    </span>
1109                                    <span class="link">
1110                                        Testimonials
1111                                    </span>
1112                                </a>
1113                            </li>
1114                    </ul>
1115                </div>
1116                <div class="nav-extra nav-x-2">
1117                        <a href="/resources/information-center/online-applications">
1118                            <span class="image">
1119                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/community.png?sfvrsn=71d6930b_7" alt="" title="" loading="lazy" width="200" height="200">
1120                            </span>
1121                            <span class="title">
1122                                Open an Account
1123                            </span>
1124                            <span class="summary">
1125                                
1126                            </span>
1127                    </a>
1128                </div>
1129                <div class="nav-eb nav-eb-2">
1130                    <ul class="neb-links">
1131<li class="eb-link">
1132                                                                                           <a href='/resources/about-us/best-of-the-valley' class='bar-item-inner'>
1133                                    <span class="image">
1134                                            <img src="https://www.fnc.bank/images/default-source/icons/trophy-white.svg?sfvrsn=9804ab1d_1" alt="" title="" loading="lazy" width="40" height="40">
1135                                    </span>
1136                                    <span class="link">
1137                                        Best of the Valley
1138                                    </span>
1139                                </a>
1140                            </li>
1141<li class="eb-link">
1142                                                                                           <a href='/resources/information-center/calculators' class='bar-item-inner'>
1143                                    <span class="image">
1144                                            <img src="https://www.fnc.bank/images/default-source/icons/calculator-white.svg?sfvrsn=5147ee42_1" alt="" title="" loading="lazy" width="40" height="40">
1145                                    </span>
1146                                    <span class="link">
1147                                        Calculators
1148                                    </span>
1149                                </a>
1150                            </li>
1151<li class="eb-link">
1152                                                                                           <a href='/resources/information-center/faqs' class='bar-item-inner'>
1153                                    <span class="image">
1154                                            <img src="https://www.fnc.bank/images/default-source/icons/howto-white.svg?sfvrsn=fd464ec1_1" alt="" title="" loading="lazy" width="40" height="40">
1155                                    </span>
1156                                    <span class="link">
1157                                        FAQs
1158                                    </span>
1159                                </a>
1160                            </li>
1161<li class="eb-link">
1162                                                                                           <a href='/resources/information-center/online-applications' class='bar-item-inner'>
1163                                    <span class="image">
1164                                            <img src="https://www.fnc.bank/images/default-source/icons/apply-white.svg?sfvrsn=e49bd9d1_1" alt="" title="" loading="lazy" width="40" height="40">
1165                                    </span>
1166                                    <span class="link">
1167                                        Apply Online
1168                                    </span>
1169                                </a>
1170                            </li>
1171                    </ul>
1172                </div>
1173                <div class="nav-extra nav-x-3">
1174                        <a href="/mortgage/apply-for-a-mortgage">
1175                            <span class="image">
1176                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/apply-for-loan.png?sfvrsn=99aa9525_2" alt="" title="" loading="lazy" width="200" height="200">
1177                            </span>
1178                            <span class="title">
1179                                Apply for a Loan
1180                            </span>
1181                            <span class="summary">
1182                                
1183                            </span>
1184                    </a>
1185                </div>
1186                <div class="nav-eb nav-eb-3">
1187                    <ul class="neb-links">
1188<li class="eb-link">
1189                                                                                           <a href='/resources/about-us/best-of-the-valley' class='bar-item-inner'>
1190                                    <span class="image">
1191                                            <img src="https://www.fnc.bank/images/default-source/icons/trophy-white.svg?sfvrsn=9804ab1d_1" alt="" title="" loading="lazy" width="40" height="40">
1192                                    </span>
1193                                    <span class="link">
1194                                        Best of the Valley
1195                                    </span>
1196                                </a>
1197                            </li>
1198<li class="eb-link">
1199                                                                                           <a href='/resources/about-us/testimonials' class='bar-item-inner'>
1200                                    <span class="image">
1201                                            <img src="https://www.fnc.bank/images/default-source/icons/testimonials-white.svg?sfvrsn=b73258d7_1" alt="" title="" loading="lazy" width="40" height="40">
1202                                    </span>
1203                                    <span class="link">
1204                                        Testimonials
1205                                    </span>
1206                                </a>
1207                            </li>
1208<li class="eb-link">
1209                                                                                           <a href='/resources/information-center/calculators' class='bar-item-inner'>
1210                                    <span class="image">
1211                                            <img src="https://www.fnc.bank/images/default-source/icons/calculator-white.svg?sfvrsn=5147ee42_1" alt="" title="" loading="lazy" width="40" height="40">
1212                                    </span>
1213                                    <span class="link">
1214                                        Calculators
1215                                    </span>
1216                                </a>
1217                            </li>
1218<li class="eb-link">
1219                                                                                           <a href='/mortgage/apply-for-a-mortgage' class='bar-item-inner'>
1220                                    <span class="image">
1221                                            <img src="https://www.fnc.bank/images/default-source/icons/apply-white.svg?sfvrsn=e49bd9d1_1" alt="" title="" loading="lazy" width="40" height="40">
1222                                    </span>
1223                                    <span class="link">
1224                                        Apply Online
1225                                    </span>
1226                                </a>
1227                            </li>
1228                    </ul>
1229                </div>
1230                <div class="nav-extra nav-x-4">
1231                        <a href="/resources/information-center/calculators">
1232                            <span class="image">
1233                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/online-calculators.png?sfvrsn=9cfffcef_3" alt="" title="" loading="lazy" width="200" height="200">
1234                            </span>
1235                            <span class="title">
1236                                Online Calculators
1237                            </span>
1238                            <span class="summary">
1239                                
1240                            </span>
1241                    </a>
1242                </div>
1243                <div class="nav-eb nav-eb-4">
1244                    <ul class="neb-links">
1245<li class="eb-link">
1246                                                                                           <a href='/resources/about-us/best-of-the-valley' class='bar-item-inner'>
1247                                    <span class="image">
1248                                            <img src="https://www.fnc.bank/images/default-source/icons/trophy-white.svg?sfvrsn=9804ab1d_1" alt="" title="" loading="lazy" width="40" height="40">
1249                                    </span>
1250                                    <span class="link">
1251                                        Best of the Valley
1252                                    </span>
1253                                </a>
1254                            </li>
1255<li class="eb-link">
1256                                                                                           <a href='/resources/about-us/contact-us' class='bar-item-inner'>
1257                                    <span class="image">
1258                                            <img src="https://www.fnc.bank/images/default-source/icons/contact-us-white.svg?sfvrsn=19ec6692_1" alt="" title="" loading="lazy" width="40" height="40">
1259                                    </span>
1260                                    <span class="link">
1261                                        Contact Us
1262                                    </span>
1263                                </a>
1264                            </li>
1265<li class="eb-link">
1266                                                                                           <a href='/secure-file-upload' class='bar-item-inner'>
1267                                    <span class="image">
1268                                            <img src="https://www.fnc.bank/images/default-source/icons/file-upload-white.svg?sfvrsn=a0fa673b_1" alt="" title="" loading="lazy" width="40" height="40">
1269                                    </span>
1270                                    <span class="link">
1271                                        File Upload
1272                                    </span>
1273                                </a>
1274                            </li>
1275<li class="eb-link">
1276                                                                                           <a href='/resources/about-us/social-media' class='bar-item-inner'>
1277                                    <span class="image">
1278                                            <img src="https://www.fnc.bank/images/default-source/icons/social-media-white.svg?sfvrsn=554278e0_1" alt="" title="" loading="lazy" width="40" height="40">
1279                                    </span>
1280                                    <span class="link">
1281                                        Social Media
1282                                    </span>
1283                                </a>
1284                            </li>
1285                    </ul>
1286                </div>
1287                <div class="nav-extra nav-x-5">
1288                        <a href="/resources/information-center/online-applications">
1289                            <span class="image">
1290                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/community.png?sfvrsn=71d6930b_7" alt="" title="" loading="lazy" width="200" height="200">
1291                            </span>
1292                            <span class="title">
1293                                Open an Account
1294                            </span>
1295                            <span class="summary">
1296                                
1297                            </span>
1298                    </a>
1299                </div>
1300                <div class="nav-eb nav-eb-5">
1301                    <ul class="neb-links">
1302<li class="eb-link">
1303                                                                                           <a href='/personal/borrow/mortgage' class='bar-item-inner'>
1304                                    <span class="image">
1305                                            <img src="https://www.fnc.bank/images/default-source/icons/buyhome-innav_2c214fb7-e799-410b-a3fa-4d0f663e3ec1.svg?sfvrsn=7168557a_1" alt="" title="" loading="lazy" width="40" height="40">
1306                                    </span>
1307                                    <span class="link">
1308                                        Buy a Home
1309                                    </span>
1310                                </a>
1311                            </li>
1312<li class="eb-link">
1313                                                                                           <a href='/resources/information-center/calculators' class='bar-item-inner'>
1314                                    <span class="image">
1315                                            <img src="https://www.fnc.bank/images/default-source/icons/calculator-white.svg?sfvrsn=5147ee42_1" alt="" title="" loading="lazy" width="40" height="40">
1316                                    </span>
1317                                    <span class="link">
1318                                        Calculators
1319                                    </span>
1320                                </a>
1321                            </li>
1322<li class="eb-link">
1323                                                                                           <a href='/resources/information-center/faqs' class='bar-item-inner'>
1324                                    <span class="image">
1325                                            <img src="https://www.fnc.bank/images/default-source/icons/howto-white.svg?sfvrsn=fd464ec1_1" alt="" title="" loading="lazy" width="40" height="40">
1326                                    </span>
1327                                    <span class="link">
1328                                        FAQs
1329                                    </span>
1330                                </a>
1331                            </li>
1332                    </ul>
1333                </div>
1334                <div class="nav-extra nav-x-6">
1335                        <a href="/resources/information-center/online-applications">
1336                            <span class="image">
1337                                    <img src="https://www.fnc.bank/images/default-source/circle-icons/community.png?sfvrsn=71d6930b_7" alt="" title="" loading="lazy" width="200" height="200">
1338                            </span>
1339                            <span class="title">
1340                                Open an Account
1341                            </span>
1342                            <span class="summary">
1343                                
1344                            </span>
1345                    </a>
1346                </div>
1347                <div class="nav-eb nav-eb-6">
1348                    <ul class="neb-links">
1349<li class="eb-link">
1350                                                                                           <a href='/personal/borrow/mortgage' class='bar-item-inner'>
1351                                    <span class="image">
1352                                            <img src="https://www.fnc.bank/images/default-source/icons/buyhome-innav_2c214fb7-e799-410b-a3fa-4d0f663e3ec1.svg?sfvrsn=7168557a_1" alt="" title="" loading="lazy" width="40" height="40">
1353                                    </span>
1354                                    <span class="link">
1355                                        Buy a Home
1356                                    </span>
1357                                </a>
1358                            </li>
1359<li class="eb-link">
1360                                                                                           <a href='/resources/information-center/calculators' class='bar-item-inner'>
1361                                    <span class="image">
1362                                            <img src="https://www.fnc.bank/images/default-source/icons/calculator-white.svg?sfvrsn=5147ee42_1" alt="" title="" loading="lazy" width="40" height="40">
1363                                    </span>
1364                                    <span class="link">
1365                                        Calculators
1366                                    </span>
1367                                </a>
1368                            </li>
1369<li class="eb-link">
1370                                                                                           <a href='/resources/information-center/faqs' class='bar-item-inner'>
1371                                    <span class="image">
1372                                            <img src="https://www.fnc.bank/images/default-source/icons/howto-white.svg?sfvrsn=fd464ec1_1" alt="" title="" loading="lazy" width="40" height="40">
1373                                    </span>
1374                                    <span class="link">
1375                                        FAQs
1376                                    </span>
1377                                </a>
1378                            </li>
1379                    </ul>
1380                </div>
1381
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