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Savings

Statement Savings

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To help you reach your goals.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • Maintain a $50 balance and avoid a service charge
  • If your balance falls below $50, there will be a $1 per month charge
  • Two free withdrawals/transfers per calendar month; If you need to make more there will be a $1.00 fee for each withdrawal/transfer over two
  • Transfers to another account or to third parties by preauthorized, ACH, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each transfer/withdrawal over two.
  • Unlimited withdrawals may be made in person or at an ATM, There will be a $1.00 fee for each transfer/withdrawal over two per calendar month
  • Earn interest on your daily balance, no minimum balance required.

Investment Account (Money Market)

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Savings with flexibility.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances.
  • Keep a balance of $1,500 or more and avoid a service charge; If your balance falls below $1,500, there will be a $7 per month charge
  • Flexibility to make up to six withdrawals/transfers payable to third parties by check, ACH, or similar order per calendar month. There will be a $7.00 fee for each withdrawal/transfer over six per statement cycle.
  • Unlimited withdrawals may be made in person or at an ATM. There will be a $7.00 fee for each withdrawal/transfer over six per statement cycle.  
  • Earn interest on your daily balance, no minimum balance required

Minor Savings

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Get your children or grandchildren started early with our special Minor Savings account.
 

  • Only $1 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • For individuals under 18 years of age
  • No minimum balance required
  • Two free withdrawals/transfers per month. If you need to make more, there will be a $1.00 fee for each withdrawal over two
  • Transfers to another account or to third parties by preauthorized, automatic, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each withdrawal/transfer over two 
  • Unlimited withdrawals may be made in person or at an ATM. There will be a $1.00 fee for each withdrawal/transfer over two 
  • Earn interest on your daily balance.

Health Savings Account (HSA)

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If you have a high deductible health plan (HDHP) --- why not set money aside in a tax deductible account to pay for qualified medical expenses.

Here are some of the benefits of an HSA:

  • Deposits are tax-free
  • Investment earnings grow tax-free
  • Withdrawals are tax-free when used for qualified medical expenses

The above benefits apply when used within IRS regulations regarding Health Savings Accounts. Consult your tax advisor for details.

Advantages of a First National Bank HSA:

  • Only $100 deposit needed to open
  • No set-up fees or annual administration fees
  • Specially designed HSA debit card provided at no charge
  • Unlimited check writing and no per check fees
  • Earn a tiered rate of interest based on your balance 
  • View your HSA through our online banking

Want to learn more?

Take a look at some of the very user friendly information provided by the U.S. Treasury Department at:

http://www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx

 

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