Savings
Personal Savings Account
This account has all the benefits of a checking account while earning interest. If you maintain the required minimum daily balance, interest will be paid and you will avoid the monthly service charge.
Features
- Minimum Opening Deposit: $100.00
- Account Fee: $5.00 per quarter
- Balance Required to Waive Fee: $350.00 Average Daily Balance
- Balance Required to Earn Interest: $100.00 Minimum Daily Balance
- Transaction Limitations: Four withdrawals per quarter, each subsequent withdrawal will be assessed a $1.50 activity fee
- Balance required to Waive Activity Fee: $3,000.00
- ATM Card*
- FREE First Telebanc*
- FREE Online Banking*
*Application required
Security First
Designed as overdraft protection for your FNBNC Checking Account. If your designated Personal Checking or Interest Checking should become overdrawn, your money will transfer from your Security First to your designated FNBNC checking account to cover the overdraft.
OPEN NOW
Features
- Minimum Opening Deposit: $100.00
- Account Fee: $5.00 per quarter
- Balance Required to Waive Fee: $350.00 Average Daily Balance
- Balance Required to Earn Interest: $100.00 Minimum Daily Balance
- Transaction Limitations: Four withdrawals per quarter, each subsequent withdrawal will be assessed a $1.50 activity fee
- Balance required to Waive Activity Fee: $3,000.00
- ATM Card*
- FREE First Telebanc*
- FREE Online Banking*
- $5.00 fee per transfer of funds to cover overdraft
- Transfers in $50.00 Increments to FNBNC checking account
*Application required
First Savers Savings
Designed for young savers and can also be set up as a trustee account for a child. Low minimum opening deposit, quarterly statement and no maintenance fee.
Features
- Minimum Opening Deposit: $1.00
- Account Fee: None
- Balance Required to Waive Fee: N/A
- Balance Required to Earn Interest: $50.00
- Transaction Limitations: Four withdrawals per quarter, each subsequent withdrawal will be assessed a $1.50 activity fee
- Balance required to Waive Activity Fee: $3,000.00
- ATM Card*
- FREE First Telebanc*
- FREE Online Banking*
*Application required
First Club Account
Designed to assist in saving fro the holidays, property taxes or any year end needs. This account is set-up with an automatic transfer from your FNBNC checking account.
Features
- Minimum Opening Deposit: $1.00
- Account Fee: None
- Balance Required to Waive Fee: N/A
- Balance Required to Earn Interest: $1.00
- Transaction Limitations: All deposits must be made in the form of an automatic transfer from an FNBNC checking or interest account.
- Balance required to Waive Activity Fee: N/A
- FREE First Telebanc*
- FREE Online Banking*
- The maturity date of the club account is October 31st when the funds in the account will be mailed to you by check or deposited into your checking account.
- This account will automatically renew
- $10.00 penalty for withdrawal prior to maturity
*Application required
Health Savings Account (HSA)
HSA's are tax advantaged savings accounts that can be used to pay medical expenses not covered by health insurance. Customers with a qualifying high-deductible health plan can establish and maintain an HSA. These are individual accounts, which allow customers to use pre-tax dollars to pay for future medical expenses
Features
- Minimum Opening Deposit: $100.00
- Account Fee: None
- Balance Required to Waive Fee: N/A
- Balance Required to Earn Interest: $100.00
- Balance required to Waive Activity Fee: N/A
- No Transaction Fees
- Debit MasterCard*
- FREE First Telebanc*
- FREE Online Banking*
- HSA deposits, rollovers, transfers, and widthdrawls are governed by IRS regulation.
*Application required
Click here for a side by side comparison of our savings accounts.
Contact your local branch for more details
