Personal Savings
Regular Savings Account
This account is available to individuals or businesses who want an interest-bearing account for their money with unlimited deposit availability.
Minimum Deposit to Open: $50
Minimum balance to avoid fees is $200.00 If the balance falls below $200.00 during the month, a $3.00 monthly maintenance fee is charged
One debit per month allowed - Excess debit fee: $4.00
ACCELL / EXCHANGE ATM 24-HOUR Banker Card is Available. (separate application required)
Quarterly Statements
Please See a CSR for Current Rate Information
Early Withdrawal Penalty if Account is Closed Within Ninety (90) Days of Opening: $20.00
Health Savings Account from FNBSC
The purpose of a Health Savings Account is to pay, on a tax-free basis, the quantified medical expenses of an HSA owner and their family.
To be eligible for a Health Savings Account, you must generally:
Be covered under a high-deductible health plan (HDHP)
Not be covered by any other health plan that is not an HDHP
Not be entitled to benefits under Medicare
Not be eligible to be claimed as a dependent on another person’s tax return
Minimum Deposit to Open: $100.00
One time set-up fee: $30.00
Please See A CSR for Current Rate Information
Visa Check Card will be issued for payment of qualified medical expenses
Refer to IRS Publication 969 Health Savings Accounts
Refer to IRS Publication 502 Medical and Dental Expenses
Christmas Club Savings Account
Avoid those bill-paying blues that come every December by opening a Christmas Club Savings Account today! Small weekly or monthly deposits throughout the year can make Christmas a whole lot merrier.
Minimum Deposit to Open: $5
Account Pays Out by Check or Account Transfer each October
Interest-earning if Deposits Are Made by Automatic Draft or EFT Transaction. (please see a CSR for current rate inflation)
Early Withdrawal Penalty If Account is Closed Prior to Maturity: Forfeit All Interest, PLUS $5.00 Service Fee