PERSONAL SAVINGS OPTIONS

 

Regular Savings

For those individuals looking for a basic savings account but don’t have a lot of money to deposit, FNBD personal savings is the way to go.

  • Minimum opening deposit: $25.00
  • Account fees: Monthly daily balance of $100.00 or less: $1.00 (Waived 1st 30 days) Monthly daily balance over $100.00: No Charge
  • Allowed 2 Withdrawal per month then a $3 excessive withdrawal fee thereafter
  • Interest computation method: Daily Balance
  • Interest compounded and credited monthly
  • Free On-line banking, Bill Pay and Fone 1st
  • Free E-Statements
  • Free Paper statements with images
  • Competitive Interest Rates

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Minor/Student Savings (Birth through college graduation)

FNBD wants to help young people develop good savings habits. So, for individuals still in school we offer a starter savings account with no monthly service charge and no minimum balance requirement.

  • Minimum opening deposit: $25.00
  • No minimum balance fee
  • No activity charge for 2 or less withdrawals per month
  • Interest computation method: Daily Balance
  • Interest compounded and credited monthly
  • Free On-line banking, Bill Pay and Fone 1st
  • Free E-Statements
  • Free Paper statements with images
  • Competitive Interest Rates

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Christmas Club

We offer clubs with payments as low as $5.00 to help you be prepared for your holiday shopping needs. Our Christmas Club pays interest, Call for more details.

 

Auto transfers for Christmas Club Checks are now available.  Instead of a check being mailed for the balance of your Christmas Club Account we can automatically transfer to another First National Bank account.  This is more secure than mailing the check because you don’t have to worry about it being lost in the mail and the funds become available to you quicker than waiting for a check.  Please complete an Automatic Transfer form to request this transfer.

 

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Money Market Account (MMIA)

  • Minimum opening deposit: $2,500.00
  • Minimum balance to avoid service charge: $2,500.00
  • Minimum daily balance to obtain APY as listed: $1,500.00
  • Monthly Maintenance fee if balance is below $2,500.00: $6.00
  • Insufficient funds charge: $25.00 per item
  • Stop payment charge: $25.00 per item
  • Free On-line banking, Bill Pay, and Fone 1st
  • Free E-Statements
  • Competitive rates

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Tower Money Market Account

  • Minimum opening deposit: $2,500
  • Monthly Maintenance fee if balance is below $15,000.00: $15.00
  • As high as 1.005% APY
  • New money only
  • Low opening balance
  • Competitive tiered rates
  • Very liquid account
  • Unlimited in-person withdrawls and transfers

      Learn more about our Tower Money Market Account!

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