Personal Savings

Personal Savings Accounts

Download Application Here:
Applications are READ ONLY and cannot be submitted online, please print the application and submit it in person.
 

Regular Savings - This is an excellent account for those beginning to save. There's a low minimum opening deposit requirement that allows you to start a savings plan with limited funds. You can maximize your earnings with a low daily balance requirement, while earning a competitive interest rate. You too, will have convenient access to your money anytime at any ATM location throughout the U.S. and some foreign countries. Account holders can access balance information or make pre-authorized transfers between First National Bank deposit accounts, through our toll free, convenient telephone access line, "First Line".

And it's even easier to start saving for minors, children under the age of 18. There's NO minimum daily balance requirements and NO monthly maintenance fees, while still earning a competitive interest rate.

First Money Market Account - Are you looking for a way to make your money work a little harder for you? A Money Market account allows you to do just that. You can maximize your earnings with a competitive interest rate. You can also control how much you spend on maintenance fees, by meeting a low monthly balance requirement. Your funds are available when needed, with six withdrawals per month. You too, will have convenient access to your money anytime at any ATM location throughout the U.S. and some foreign countries. Account holders can access balance information or make pre-authorized transfers between First National Bank deposit accounts, through our toll free, convenient telephone access line, "First Line".

Christmas Club - Do you always seem to be low on cash around the Holidays? Well, here's an easy, worry-free way to save! A Christmas Club account can be opened any time of the year for any amount that fits your budget. There's a very low minimum opening deposit requirement and contributions of any size can be made at any time, or they can be automatically transferred from another First National Bank deposit account. Your money will earn the same competitive interest rates as traditional savings, allowing you to maximize your earnings. And each year at maturity, a check will be sent directly to your home for the balance. There's also toll free, easy access to your balance whenever you want, from wherever you are, through our telephone access line, "First Line".

Certificate of Deposits

This account allows you to maximize your earnings, with a higher rate of interest than a traditional Savings or Money Market account, and protects you from fluctuating interest rates. With flexible terms, you can tailor your financial investments to suit your needs. Automatic renewal saves you time, by not having to make a trip to the Bank. Interest may be reinvested in the CD, transferred to another First National Bank deposit account, or paid by check, giving you the flexibility of directing your interest in a way that is in your best interest. There's also toll free, easy access to your balance information whenever you want, from wherever you might be, through our telephone access line, "First Line". Substantial penalty for early withdrawal.

CD Rates

 IRA Accounts
 

This simple long-term savings plan allows you to save for retirement, with the advantage of tax deferral until you reach the age of 59 1/2. You may begin saving for your retirement now, with a minimal deposit of $100. This sound tax-advantaged account is F.D.I.C. insured up to $250,000. Please consult your tax advisor, to see if you qualify for tax deductions.

Roth IRA - The Taxpayer Relief Act of 1997 created this new type of tax-preferred savings and investment account. Although there is no tax deduction up front for the contribution, you may never be taxed on the earnings from your Roth IRA if you meet the required distribution rules.
Please consult your tax advisor to see if you qualify for tax deductions.

Extras

Don't forget the extras!

Getting your FNB account is just the beginning, don’t forget these extras to make your experience more rewarding!