Savings

Statement Savings
To help you reach your goals.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • Maintain a $50 balance and avoid a maintenance fee.
  • If your balance falls below $50, there will be a $1 per month charge
  • Two free withdrawals/transfers per calendar month; If you need to make more there will be a $1.00 fee for each withdrawal/transfer over two
  • Transfers to another account or to third parties by preauthorized, ACH, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each transfer/withdrawal over two.
  • Unlimited withdrawals may be made in person or at an ATM, There will be a $1.00 fee for each transfer/withdrawal over two per calendar month
  • Earn interest on your daily balance, no minimum balance required.
    For our current Annual Percentage Yields and rates on our Saving Account, call us at (936)327-1234 or (800) 324-9279
Investment Account (Money Market)
Savings with flexibility.

  • Only $50 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances.
  • Keep a balance of $1,500 or more and avoid a maintenance fee; If your balance falls below $1,500, there will be a $7 per statement cycle charge.
  • Flexibility to make up to six withdrawals/transfers payable to another account of yours or to third parties by check, ACH, or similar order per monthly statement cycle. There will be a $7.00 fee for each withdrawal/transfer over six per statement cycle.
  • Unlimited withdrawals may be made in person or at an ATM.
  • Earn interest on your daily balance, no minimum balance required
For our current Annual Percentage Yields and rates on our Investment Account (Money Market), call us at (936)327-1234 or (800) 324-9279
minor savings
Get your children or grandchildren started early with our special Minor Savings account.

  • Only $1 deposit needed to open
  • This tiered interest-bearing account pays higher rates on larger balances
  • For individuals under 18 years of age
  • No minimum balance required
  • Two free withdrawals/transfers per month. If you need to make more, there will be a $1.00 fee for each withdrawal over two
  • Transfers to another account or to third parties by preauthorized, automatic, telephone or online banking are limited to six per calendar month. There will be a $1.00 fee for each withdrawal/transfer over two
  • Unlimited withdrawals may be made in person or at an ATM. There will be a $1.00 fee for each withdrawal/transfer over two
  • Earn interest on your daily balance.
For our current Annual Percentage Yields and rates on our Minor Saving Account, call us at (936)327-1234 or (800) 324-9279

health savings account
If you have a high deductible health plan (HDHP) --- why not set money aside in a tax deductible account to pay for qualified medical expenses.

Here are some of the benefits of an HSA:
 
  • Deposits are tax-free
  • Investment earnings grow tax-free
  • Withdrawals are tax-free when used for qualified medical expenses
The above benefits apply when used within IRS regulations regarding Health Savings Accounts. Consult your tax advisor for details.

Advantages of a First National Bank HSA:

  • Only $100 deposit needed to open
  • No set-up fees or annual administration fees
  • Specially designed HSA debit card provided at no charge
  • Unlimited check writing and no per check fees
  • Earn a tiered rate of interest based on your balance
  • View your HSA through our online banking
Want to learn more?

Take a look at some of the very user friendly information provided by the U.S. Treasury Department