FNC Bank

𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐯𝐬. 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 – 𝐖𝐡𝐲 𝐘𝐨𝐮 𝐒𝐡𝐨𝐮𝐥𝐝 𝐊𝐞𝐞𝐩 𝐓𝐡𝐞𝐦 𝐒𝐞𝐩𝐚𝐫𝐚𝐭𝐞 The New Year is the perfect time to reflect on your accomplishments and set clear, actionable goals for the road ahead. For business owners, there’s one resolution you don’t want to overlook—separating your personal and business finances. If you’ve been mixing personal and business funds, 2025 is the perfect time to change that. Not only does it make day-to-day operations smoother, but it also lays a solid foundation for long-term growth and success. Keeping your business and personal finances separate is not just a smart move—it's essential. Here are a few reasons why: 𝟏. 𝐂𝐥𝐞𝐚𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐏𝐢𝐜𝐭𝐮𝐫𝐞 When your finances are separate, you get a clearer view of your business’s performance. You'll know exactly how much you're earning and spending. 𝟐. 𝐒𝐢𝐦𝐩𝐥𝐢𝐟𝐢𝐞𝐝 𝐓𝐚𝐱𝐞𝐬 Separating finances makes filing taxes so much easier. You'll save time and avoid potential headaches during tax season. 𝟑. 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐢𝐬𝐦 & 𝐂𝐫𝐞𝐝𝐢𝐛𝐢𝐥𝐢𝐭𝐲 Using a dedicated business account adds an air of professionalism. It shows customers and investors that you're serious about your venture. 𝟒. 𝐋𝐞𝐠𝐚𝐥 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 Keeping your finances separate can offer legal protection by maintaining the integrity of your corporate veil—important for protecting personal assets. 𝟓. 𝐁𝐞𝐭𝐭𝐞𝐫 𝐌𝐨𝐧𝐞𝐲 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 Separate accounts allow for better budgeting and financial planning. You'll be able to allocate funds more effectively and grow your business faster. 𝟔. 𝐁𝐮𝐢𝐥𝐝 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐇𝐢𝐬𝐭𝐨𝐫𝐲 A solid credit history not only supports loan approval but can also lead to better interest rates and terms, providing flexibility to invest in future growth opportunities. 𝟕. 𝐄𝐧𝐡𝐚𝐧𝐜𝐞𝐝 𝐁𝐚𝐧𝐤 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐬 Gain access to additional banking tools and services designed specifically for business accounts. Separating your personal and business finances isn’t just about staying organized—it’s about setting your business up for success. From simplifying taxes to building business credit and maintaining legal protection, this single step can make a world of difference in your financial clarity and long-term growth. As you move into 2025, take this as your opportunity to turn over a new leaf and ensure your business has the solid financial foundation it deserves. Open a dedicated business bank account with FNC Bank and take the first step toward better financial management. Here's to your continued growth and success! Learn more at https://lnkd.in/gnNpeVWS #fncbank

❄️ 𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐇𝐚𝐧𝐝𝐬 𝐖𝐢𝐧𝐭𝐞𝐫 𝐂𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐨𝐧 ❄️ We’re happy to share that, thanks to your incredible generosity, our Helping Hands Winter Collection Drive has gathered almost 350 items! Every winter item contributed is going directly toward helping those in need stay warm this winter. Thank you for being the heart of this initiative! 💙 We will continue to collect coats, hats, mittens, sweatshirts, and sweatpants through tomorrow (December 20) then will be distributing to Grace Place shelter. If you are able to donate, visit any FNC Bank during lobby hours to donate these winter wear items. Learn more at https://lnkd.in/d88CF-fV #fncbank #communitysupport

🎅🍪 What a wonderful morning we had last Saturday! FNC Bank was a proud sponsor of the 𝐁𝐫𝐞𝐚𝐤𝐟𝐚𝐬𝐭 𝐰𝐢𝐭𝐡 𝐒𝐚𝐧𝐭𝐚 event at The Centre in New Richmond this past Saturday. We loved seeing so many smiling faces enjoy the holiday festivities! Our craft station was buzzing with creativity as more than 100 kiddos filled jars with chocolate chip cookie ingredients—the perfect gift for the holidays (or a treat at home!). Thank you to everyone who joined us in spreading cheer and making the event so special. Here's to more community magic this season! ✨ #fncbank

🎉 𝐅𝐍𝐂 𝐁𝐚𝐧𝐤 𝐚𝐭 𝐉𝐀 𝐁𝐢𝐳𝐓𝐨𝐰𝐧! 🏙️ Our FNC Bank team had an incredible time last Friday volunteering at the Junior Achievement BizTown event in St. Paul! As proud sponsors of BizTown, we were thrilled to support almost 260 sixth grade students from New Richmond Middle School as they explored life skills and financial literacy in the most fun and interactive way. BizTown, a 12,000-square-foot simulated city, gives students the chance to step into the "real world" through hands-on activities and lessons. From running a business to managing finances with debit and credit cards, our team had the privilege of guiding these bright young minds as they worked together to keep their simulated economy thriving. At FNC Bank, we believe in investing in the next generation and helping shape their future. Watching these students grow their understanding of how classroom lessons translate into real-life decisions was a truly rewarding experience. We’re honored to be part of their journeys and look forward to many more opportunities to empower our local youth. 🎓💼 #fncbank

🎄 𝐓𝐡𝐞 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐒𝐩𝐢𝐫𝐢𝐭 𝐇𝐚𝐬 𝐀𝐫𝐫𝐢𝐯𝐞𝐝! We’re sprucing things up for the season—our lobbies are now decked out with festive trees to celebrate the holidays!✨ Whether you’re stopping by for business or just passing through, take a moment to check out the decorations and enjoy a little holiday cheer. #fncbank

🎄✨ 𝐖𝐡𝐚𝐭 𝐚𝐧 𝐢𝐧𝐜𝐫𝐞𝐝𝐢𝐛𝐥𝐞 𝐧𝐢𝐠𝐡𝐭 𝐚𝐭 𝐭𝐡𝐞 𝐍𝐞𝐰 𝐑𝐢𝐜𝐡𝐦𝐨𝐧𝐝 𝐏𝐚𝐫𝐚𝐝𝐞 𝐥𝐚𝐬𝐭 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲! ✨🎄 We were thrilled to join the festivities outside our New Richmond branch, spreading a little holiday cheer with our amazing community. Our adorable gingerbread couple loved mingling with parade-goers (and posing for photos!), while our team handed out gingerbread cookies and cookie-cutter keepsakes. A huge THANK YOU to everyone who stopped by and brightened our evening—it’s moments like these that remind us how lucky we are to be part of such an awesome community. Here’s to celebrating the season together! 🌟 #fncbank

𝐏𝐚𝐫𝐚𝐝𝐞 𝐅𝐮𝐧! Clear your calendar tomorrow night (December 5), because the New Richmond Chamber’s Holiday Parade is almost here! Before, during, and shortly after the parade, we’ll be stationed outside the New Richmond branch with delicious cookies, fun giveaways, and big smiles. 😁 (Cookies and giveaways offered while supplies last. Smiles are endless!) But that’s not all… 🌟 Mr. and Mrs. Gingerbread will be making a special appearance! Stop by between 5:30-7:15PM to say hi, grab a treat, and enjoy a festive evening with the community. #fncbank

𝐓𝐨𝐝𝐚𝐲 𝐢𝐬 𝐆𝐢𝐯𝐢𝐧𝐠 𝐓𝐮𝐞𝐬𝐝𝐚𝐲 Giving back through acts of kindness and generosity helps to shape stronger, more compassionate communities. Giving Tuesday, a movement that started in 2012, encourages people to donate their time, resources, or dollars to make a positive impact today and year-round. This collective effort creates a ripple effect that spreads kindness and creates a better world for all. There are many ways and reasons to give back. Here are a few to consider. Donating to Meaningful Causes: When you donate to a nonprofit organization, your contribution supports critical work for causes that matter. Every dollar goes toward building a brighter future for those in need. Not all donations have to be financial. Nonprofits often welcome donated goods, like clothing, food, or supplies, that help extend their impact. Volunteer Your Time: If you don’t have extra money to spare, giving back through your time and talents is just as impactful. Volunteering allows you to create meaningful connections while supporting your favorite causes. Every hour you volunteer makes a lasting difference and strengthens the community around you. The Ripple Effect of Giving: Giving back is about creating an environment of generosity that inspires others to follow your lead. When you demonstrate the joy that comes from volunteering or donating, your actions can encourage your family, friends, and colleagues to adopt a giving mindset as well. Boosting Your Well-Being by Giving: Giving back isn’t just good for those in need—it’s good for you too. Donating to charity can enhance self-esteem, boost your mood, and even lower stress levels. Studies show that acts of generosity trigger feel-good brain reactions, similar to exercising or hugging a loved one. This can improve mental well-being and even contribute to longer life expectancy. Find Your Way to Give: This holiday season—and beyond—explore how you can give back in ways that feel authentic to you. Whether it’s making a one-time donation, committing to monthly volunteer hours, or rallying your network to support an important cause, the options are endless. By working together and giving back, we cultivate stronger communities, healthier individuals, and a brighter future for everyone. #fncbank #GivingTuesday

𝐀 𝐥𝐢𝐭𝐭𝐥𝐞 𝐦𝐨𝐭𝐢𝐯𝐚𝐭𝐢𝐨𝐧 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐲𝐨𝐮𝐫 𝐰𝐞𝐞𝐤.

Shopping online during Cyber Monday can snag you some great holiday deals. However, with any online shopping, there is also risk of cyber threats. To protect your financial information online, there are a few tips to keep top of mind: ✔️ Verify website authenticity ✔️ Check for a secure connection before entering payment information ✔️ Avoid public wifi ✔️ Be cautious when receiving emails with shopping deals Learn more at https://lnkd.in/g5YAkfBN Stay safe while shopping online over the holiday season and beyond! #fncbank