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Federal Deposit Insurance Corporation - mobileFDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Savings

It’s never too early—or too late—to start saving.

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What you need to get started:

  • Driver's license or State ID
  • Previous home address (if you have lived at your home address less than 2 years)
  • U.S. Social Security number
  • U.S. checking or savings account to fund the account

Thinking about switching banks?

We know that switching banks is overwhelming Use our Switch Kit to make the process easier. Our Customer Service Representatives are happy to assist you through the process. Please don't hesitate to ask for help!

Get the Switch Kit

Personal Savings Account Options

Features

First Choice Rewards Savings

Simply Savings

Minimum Deposit to Open

$1.00

$25.00

Earns Interest

Yes, tiered per qualification

Yes

Other Account Benefits

ATM Card Available

ATM Card Available

Monthly Service Charge

No Monthly Service Charge

$4.00

Ways to Avoid Monthly Service Charge

No Monthly Service Charge

Monthly Service Charge waived with a $200.00 Minimum Average Daily Balance

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Hi-Fi Money Market & Health Savings

Features

Hi-Fi Money Market

Health Savings

Minimum Deposit to Open

$50.00

$25.00

Earns Interest

Yes

Yes

Other Account Benefits

Can write up to 6 checks per month.

HSA Checks and Debit Card Available

Monthly Service Charge

$15.00

$3.00

Ways to Avoid Monthly Service Charge

$5,000.00 Minimum Average Daily Balance

Must have at least one of the below:

  • $500.00 Minimum Average Daily Balance
  • A Monthly Direct Deposit

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Youth Accounts

Features

Moola Moola Kids Club1

(Ages 0-13)

Student Savings

(Ages 14-24)

Minimum Deposit to Open

 $5.00
Account opening match up to $251

$25.00

Earns Interest

Yes 

Yes

Other Account Benefits

Programs and Activities for Moola Moola Account Holders. Gifts to celebrate when making a deposit.

Up to Five (5) ATM Transaction Service Charge refunds per Statement Cycle; One (1) Incoming Wire fee refund per statement cycle

Monthly Service Charge

No Monthly Service Charge 

No Monthly Service Charge

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In Case You Wanted to Know….

1. For the Moola Moola account, at the time of account opening First National Bank will deposit up to $25.00 into the Moola Moola account to match the account opening deposit. The minimum deposit to open and earn the bonus is $5.00. The account opening bonus will not exceed $25.00.

It is the policy of First National Bank to limit you to six savings account withdrawals or transfers per monthly statement period. There is a $10 charge for each withdrawal or transfer after the six permitted in the monthly statement period. This limit does not apply to withdrawals or transfers made in person, in a branch or at an ATM. If you exceed the federal limit on withdrawals, we will notify you and may have to close your account or convert your savings account to a checking account.

Christmas Club Account

Don’t let the holidays sneak up on you this year. Deposit any amount at anytime or set up a monthly automatic transfer into your account. The entire balance is credited to you in October just in time to remind you it’s time to start your Christmas shopping. 

Open a Christmas Club Account

Vacation Club Account

It’s always a good idea to start planning your next getaway. Make deposits anytime or set up a monthly automatic transfer then get your funds credited back to you in May.  

Open a Vacation Club Account

 

 

Title Insured Cash Sweep (ICS) Program by IntraFi®

Are you looking for additional security for your funds? Rest assured that First National Bank is in good health! But if you would still like to have a reassurance that your money is safe, consider learning about Insured Cash Sweep. ICS is a simple and safe service that uses a network of federally insured banks to cover more of your money. You’ll receive the convenience of working directly with us and receiving one interest rate and getting complete FDIC insurance coverage. For more information about ICS click here.

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