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Explore Personal
Savings Accounts
Save your money the right way with a flexible savings account that fits your goals. Whether you’re planning for a new home, college, retirement, or simply setting money aside for the holidays, FNB makes it easy to save and grow your balance.
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Savings Account Comparison
Type of Account
Statement Savings
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Youth Savings
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Christmas Savings
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Health Savings
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Investor Money Market
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Interest Method
Variable rate, compounded daily and paid out quarterly, based on tiers: $0-$199.99
$200.00 or more
$200.00 or more
Variable rate, compounded daily and paid out semi-annually, based on tiers:
$0-$199.99
$200.00 or more
$0-$199.99
$200.00 or more
Variable rate, compounded daily and paid out annually, based on tiers: $0-$199.99
$200.00 or more
$200.00 or more
Variable rate, compounded daily and paid monthly, based on tiers:
$0-$2,499 $2,500-9,999 $10,000-$24,999 $25,000-$99,999 $100,000-$249,999 $250,000-$1,499,999 $1,500,000 or more
$0-$2,499 $2,500-9,999 $10,000-$24,999 $25,000-$99,999 $100,000-$249,999 $250,000-$1,499,999 $1,500,000 or more
Variable rate, compounded daily and paid monthly, based on tiers: $0-$2,499 $2,500-9,999 $10,000-$24,999 $25,000-$99,999 $100,000-$249,999 $250,000-$1,499,999 $1,500,000 or more
Minimum Balance to avoid fees
$200
$0
$0
$2,500.00
$2,500.00
Monthly maintenance fee if balance falls below minimum
$2
$0
$0
$2.75
$25
Minimum to open
$10
$10
$1
$50 with a $15 setup fee
$10
Transaction Limits
$1 fee may be charged for withdrawals that exceed 6 transactions when the balance falls below $200
None
No withdrawals (in person or online) are permitted in this account. $10 account closure fee will apply to any account closed before maturity. Balance automatically paid out via check or transferred to another FNB account at maturity.
None
$1 fee may be charged for withdrawals that exceed 6 transactions when the balance falls below $2,500
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Statement Savings
Your future begins with a plan — and a place to grow your savings. With a Statement Savings Account from First National Bank, even small deposits can make a big difference over time, helping you reach life’s important milestones with confidence.
Features of this account include:
- Tiered rate structure
- Interest paid quarterly
- Rate increases as your balance increases
- Minimum account balance of $200.00 is required to avoid a monthly service fee of $2.00 if your account falls below $200.00
- No per item fee for less than 6 withdrawals
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Youth Savings
Start your child on the path to financial confidence. With a Youth Savings Account from First National Bank, they’ll learn how saving a little today can make a big difference tomorrow.
Features of this account include:
- Interest rates are the same as our statement savings
- Available for ages 0 to 17 years old
- Passbook issued so your child can keep track of their investment
- Interest paid semi-annually
- No minimum balance required
- No fees associated with this account
Christmas Club Savings
The holidays come fast — be ready for them. With a Christmas Club Account at First National Bank, saving a little each month adds up to the extra cash you need for gifts, travel, and celebration.
Features of this account include:
- Interest rates are the same as statement savings
- No fees if you have funds automatically transferred to your Christmas account
- Setup fee of $10.00 if a coupon book is requested
- Interest accumulates and total balance is paid annually in October
- Early withdrawal penalty of $10.00 if account closed
- Weekly, biweekly, or monthly savings amounts that fit everyone's budget
Health Savings
Take control of your healthcare spending with a Health Savings Account (HSA) from First National Bank. Designed for those with high-deductible health plans, HSAs let you save pre-tax dollars for eligible medical expenses.
Advantages this account offers:
- Interest earned tax-deferred
- Funds roll over year to year
- Qualifying contributions are tax deductible
- Low monthly fees or no fee with qualifying balance
Learn more about Health Savings Account (HSA) at our Online Video Learning Center.
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Investor Money Market
Earn more from your savings while keeping the flexibility you need. First National Bank’s Investor Money Market Account offers a higher return than a traditional savings account and is ideal for individuals or businesses with higher balances who want to be rewarded with a stronger yield. You’ll enjoy the convenience of accessing your funds anytime without penalties — combining the earning potential of an investment with the flexibility of a savings account.
Features of this account include:
- For individuals & businesses that keep higher balances
- Flexibility to move money in and out of the account
- Tiered rates based on balance
- Minimum balance needed to avoid a fee is $2,500.00
- Monthly fee if you drop below minimum balance is $25.00
- Higher interest rates than a traditional savings account
- No per item fee for less than 6 withdrawals
Come see us at First National Bank about starting your own Money Market Savings Account today and start having your money work for you.
Relationship Focused. Service Driven.
Think Local. Think Excellence.
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