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Flexible savings to grow your business.
Whether you’re in need of a traditional savings account, or a money market investment account, FNB offers smart savings solutions that businesses trust.

Savings Counts

This interest-bearing account earns money on your daily balance with the flexibility to make limited and/or unlimited withdrawals.

Account Features

  • Interest is compounded daily and paid monthly.
  • The interest rate and annual percentage yield will depend upon the daily balance in the account using the following tiers:
    • Up to $2,499.99
    • $2,500.00 - 9,999.99
    • $10,000.00 and up
  • $3 monthly maintenance fee if balance drops below $300
  • $5 fee for accounts closed within 90 days of opening
  • $100 minimum opening deposit required

Certain types of withdrawal transactions are limited to six (6) per month.

Preauthorized transfers made through third parties which may be by check, draft, debit card or similar order are limited. THERE WILL BE A FEE OF $3.00 FOR EACH WITHDRAWAL OVER THE SIX (6) LIMITED TRANSACTIONS.

Withdrawals made in person, by messenger, by mail, at an ATM or withdrawals to pay on loans that you have with us. Preauthorized or automatic transfers include "Sweep" transfers from your Savings Account to cover overdrafts, preauthorized transfers from your Savings Account to any other deposit that you own that are set in advance to occur automatically, transfers initiated thru the 24 hour automated telephone, On-Line Banking and Mobile Banking are also unlimited.

Starting Points

Your budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals.

If you have a partner, it's essential to have one overall household budget. That big picture is indispensable for having a good sense, based on actual numbers, of where the two of you stand financially, and how you plan to stay on track throughout the year.

Whether or not you have a partner, start your budget by listing all your anticipated monthly expenses. It can be helpful to divide them by how frequently they occur.

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Fixed v. Variable

For the fixed expenses, such as rent or phone, it's easy to fill in the exact amount you know you'll have to spend. On the other hand, with the variable expenses, like groceries, there is no single amount you'll spend each month. But based on what you've spent in the past, you should be able to estimate a fairly accurate number for most weeks.

The next step is to compare your income to your expenses. In order to achieve (and maintain) a positive cash flow, you may have to adjust some of the variable expenses—which probably means cutting back or cutting some of them out altogether.

You should revisit your budget on a regular basis. Remember, it's there to help you, and it's not written in stone. Adjusting it if your overall household income changes is important.

Spread the Wealth

If your budget changes because you get an influx of cash, maybe from a bonus or an inheritance, you may be tempted to use it to cover increased variable expenses, like eating out, travel, or the newest phone. Certainly using some of the money that way is fine. But it's also a great opportunity to pay down debt or to increase what you're putting away in savings—either in an emergency fund, a retirement plan, or your investment portfolio.

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Call (800) 500-1044 or learn more here.


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Our goal as an independent community bank is to build lasting relationships - one person at a time.