Savings Accounts

A savings account is a deposit account used to earn interest on money that is being put away for future use.  It is also a safe, convenient way to be prepared for an unexpected expense.


First National Bank & Trust offers four types of savings accounts to help you prepare for the future, our Regular savings account, our First Premiere savings account, our Health savings account and Christmas clubs.  We will work with you to make sure you have the correct account for your savings objectives.


Regular Savings Account

First National Bank & Trust Regular Savings Account allows you to make an unlimited number of in-person deposits and withdrawals with a teller or at one of our nine ATM locations .  There is a federally regulated limit of six withdrawals per month when transfers are made electronically, either by phone or online.


Our Regular Savings Account offers a competitive interest rate, with interest payable quarterly.  In addition, benefits include:

  • No minimum balance required
  • No service charge
  • Unlimited in-person deposits and withdrawals
  • Funds accessible via ATM card

First Premiere Savings Account

Our First Premiere Savings Account offers even higher interest rates for customers who maintain more than $2,500.00 on deposit.  The more you have on deposit, the more you earn.  First Premiere Savings Accounts are tiered as follows:

  • $2,500.00 to $4,999.99
  • $5,000.00 to $9,999.99
  • $10,000.00 to 24,999.99
  • $25,000.00 or more

Additional benefits of our First Premiere Savings Account include:

  • No minimum balance required, however, if the balance becomes less than $2,500.00, the Regular Savings Account rate will apply.
  • No monthly service fee.
  • There is a minimum withdrawal of $500.00

Health Savings Account

The Health Savings Account (or HSA) was created for individuals who are covered by a high deductible health plan and choose to make tax advantaged contributions to an HSA.  Our HSA account offers the same features as our Regular NOW Checking Account in addition to:

  • Accessibility by check or debit card.
  • First 28 checks provided free of charge.
  • Earns a competitive interest rate.

For more information on the Health Savings Account, click on the following link sponsored by the U.S. Department of Treasury .


Christmas Clubs

Christmas Clubs are a great way to save for holidays.  Our staff will help you choose a plan that fits your budget.


Please contact us online or via phone at (906)774-2200 for more information 

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