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Personal Savings Accounts

Christmas Savings Account

Christmas Savings Accounts offer you flexibility to save for the Holiday Season. See the account features for 2011:

  • Accounts may be opened each year from October 2 to January 31.
  • Account Holder must fill out a signature card and provide all the information and identification as required by law when opening a new account.
  • There is a $5 minimum to open an account. Customers make as many deposits in the amounts and increments they wish.
  • Partial withdrawals from Christmas Savings Accounts are permitted; however, a $10 fee per withdrawal is assessed without exception; fees may reduce annual percentage yield (APY) earned.
  • The last deposits for each year will be accepted until October 1. Farmers National Bank will then calculate the account balance plus interest earned and mail a check to the address on file.
  • Christmas Savings Accounts will earn interest on the daily balance of the account over the 52-week period. Accounts that set up automatic transfers from another Farmers National Banking deposit account may receive more interest. Click here for current rates and terms. (Interest rate subject to change.)
  • Accounts set up on automatic transfers will be set to immediately re-open for the next year following the check issuance.

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Kid's Savers Club Account

The Kid's Savers Club is a great way to encourage children to learn about saving and coming to the Bank. With savings goals and associated rewards, you can help your child or grandchild take those first steps toward financial responsibility today!

Balance: Savings Reward:
$10.00
Smart Saver Welcome Pack & Certificate of Membership
$100.00
Kid's Savers Club Piggy Bank
$1,000.00
Silver-plated Kid's Savers Club Piggy Bank

Account Specific Terms and Conditions:

  • $10 Minimum to Open/Join
  • Available to children ages 0 to 15
  • Must present Social Security Card to open
  • No monthly service fee
  • No minimum balance required to earn interest
  • Set up as a Statement Savings with a quarterly statement
  • Combined Monthly Checking/Savings Statement (available upon request)
  • Earns interest and annual percentage yield (APY) at the posted FNB Statement Savings Rate. The rate and APY are variable and may change at the discretion of the Bank at any time.
  • The daily balance method is used to calculate the interest on this account.  This method applies
    a daily periodic rate to the principle balance in the account each day. Interest begins to accrue
    no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Interest will not be compounded. Interest will be credited to the account semi-annually. If the account
    is closed before interest is credited, the accrued interest will not be paid to the account.
  • Dormant Accounts:  A maintenance fee of $7.50 per quarter after 12 months dormancy. (Dormancy means no activity on the account.)
  • Fee for closing a savings account open 90 days or less:  $15.00
  • Fee for withdrawals in excess of 6 per quarter: $1.00 per withdrawal
  • Returned Debit Items:  $30.00 for each returned debit item.
  • MasterCard Debit Card/ATM card not available with this account

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Statement Savings Account

Statement Savings Accounts will be offered by Farmers National  Bank with the following provisions:

  • No new savings accounts shall be opened with a balance of less than $100.00.
  • An inactivity fee of $7.50 will be assessed each calendar quarter on inactive accounts. Inactive accounts are defined as those savings accounts which have no activity other than the posting of interest for twelve (12) months. This charge may be waived where deemed appropriate.
  • Set up as a Statement Savings with a quarterly statement
  • Combined Monthly Checking/Savings Statement (available upon request)
  • Earns interest and annual percentage yield (APY) at the posted FNB Statement Savings Rate. The rate and APY are variable and may change at the discretion of the Bank any time.
  • The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the principle balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Interest will not be compounded. Interest will be credited to the account semi-annually. If the account is closed before interest is credited, the accrued interest will not be paid to the account.
  • Dormant Accounts:  A maintenance fee of $7.50 per quarter after 12 months dormancy. (Dormancy means no activity on the account.)
  • Fee for closing a savings account open 90 days or less:  $15.00
  • Fee for withdrawals in excess of 6 per quarter: $1.00 per withdrawal
  • Returned Debit Items:  $30.00 for each returned debit item.
  • MasterCard Debit Card/ATM card not available with this account

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Tiered Money Market Account

The Tiered Money Market Account is a great option for you if you are looking for a high-yield checking account which allows immediate access to your funds without penalty. The Tiered Money Market terms and benefits include:

  • $2,500 minimum to open
  • No more than six pre-authorized, automatic, or other third party transfers per month will be permitted. (If a customer repeatedly violates these provisions, the bank will convert the account to a FNB Regular Checking Account.)
  • Combined statement available upon request
  • Free FNB Online Banking (Free Bil lPay not available with this account)
  • Earns interest and annual percentage yield (APY) at the posted FNB Money Market rate, dependent upon the applicable tier. The rate and APY are variable and may change at the discretion of the Bank at any time.
  • To obtain the stated APY, the customer must maintain a minimum balance of $2,500.
  • The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the principle balance in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Interest will not be compounded. Interest will be credited to the account every month. If the account is closed before interest is credited, the accrued interest will not be paid to the account.
  • MasterCard Debit Card/ATM card not available with this account
If the minimum balance during
the month was:
The monthly charge & interest paid is:
$2,500.00 and Over No Charge, Interest Paid at Posted Applicable Money Market Tier Rate
$1,000.00 to $2,499.99 No Charge, Interest Paid at Posted
NOW Account Rate
Below $1,000.00 $7.50/month

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