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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

MOOLA MOOLA Savings Account

A super way for the little tykes to begin a savings program! If your child is 12 or younger, then they can join the Moola Moola Club. Special incentives are awarded when certain savings goals are met, and surprise events are held throughout the year for all!

  • Minimum Deposit to Open: $25

  • Minimum Balance to Maintain Membership: $25

  • One debit per month allowed - Excess debit fee: $4.00

  • Quarterly Statements

  • Please See a CSR for Current Rate Information

  • Early Withdrawal Penalty If Account is Closed Within Six (6) Months 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