Personal Savings Account

Our regular savings account, designed for consumers looking to save for the future.

• $200 minimum to open 
• Competitive interest rate is calculated on daily collected balance and credited quarterly
• No monthly service fee unless daily collected balance drops below $200, then a monthly fee of $4.00
• Allows for 6 withdrawals per calendar quarter
• $2.00 per item for each withdrawal in excess of 6 per calendar quarter
  

* Account transactions are limited by Regulation D under Federal Law. To comply with this rule, FNBT.COM BANK will uphold the federal limit of no more than SIX "Reg D Transactions" per calendar quarter.  There is a $10.00 per item fee for items excess of these limitations per calendar quarter. 

Preferred Savings Account 

Our preferred savings account, designed for consumers looking for a higher rate of return.

• $5,000 minimum to open
• Competitive interest rate is calculated on the daily collected balance and credited monthly
• No monthly service fee unless daily collected balance drops below $5,000, then a monthly fee of $4.00
• Allows 1 withdrawal per month
• $5.00 per item for each withdrawal in excess of 1 per month

* Account transactions are limited by Regulation D under Federal Law. To comply with this rule, FNBT.COM BANK will uphold the federal limit of no more than SIX "Reg D Transactions" per calendar quarter.  There is a $10.00 per item fee for items excess of these limitations per statement cycle.

Young Savers

• Interest credited quarterly
• $50 minimum daily balance
• .99 cent montly fee if below $50 minimum daily balance
• 6 withdrawals per calendar quarter
• $2 per withdrawal in excess of 6 per calendar quarter
• Require social security number of minor and parent or legal guardian as signer
• Reverts to Regular Savings on minors 18th Birthday
• Reg D restrictions apply