* The referring customer must have an active checking or savings account in good standing with FCNB in order to receive the referral incentive. Qualifying new checking accounts or loans are limited to new customers only, who have not had ownership of a checking or loan with FCNB within the last 12 months. In order to qualify for referral incentives, checking accounts or loans must remain open and in good standing at least 30 calendar days. Auto/Recreational Loans must be closed within 60 days of the referral. Referring incentives will be deposited into the active accounts of the referrer and referee. This campaign applies to consumer checking accounts and loans only. If approved, the referral amounts are as follows: Checking Account - $25, Auto/Recreational Loan - $25. Bank will report value of the offer to the IRS as applicable.