Regular Savings Account

So what's in your future? Maybe a major remodeling project. A nicer car. An exciting vacation. College for your kids. Or unexpected expenses. Whatever comes down the road, you'll be ready to take on challenges and take advantage of opportunities by building up the balance in one of our Regular Savings Accounts.

 

• Minimum opening deposit of $10
• $3 quarterly maintenance fee if balance falls below $10
• Competitive interest paid quarterly
• Unlimited withdrawals
• Manage funds and track progress with Online and Mobile Banking
• Build your balance even faster by scheduling automatic weekly or monthly transfers from your First National Bank checking account to your savings account

The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and *Annual Percentage Yield (*APY) are subject to change weekly.

• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
• Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks)
• All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
• If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
• Effect of Fees: Fees may reduce earnings.