Savings Accounts

First National Bank of America offers a deposit account to meet your needs. To obtain more information, or open an account, stop by or call one of our branches

These are our most popular savings accounts.

Statement Savings
-$100 to open/ $199 average balance to avoid charges*
-Earns a Very Competitive Interest Rate
-24-hour ATM access
-Itemized Monthly Statements
-Interest Paid and Compounded Monthly
-Transaction Limits Apply

Health Savings Account (HSA)
Perfect for those with a high deductible health insurance policy!
-Allows you to save money towards medical expenses that are not fully covered by insurance
-HSA can offer significant tax advantages to owners
-Earns a Very Competitive Interest Rate
-$500 minimum balance to avoid charges*.  The minimum balance requirement is waived if you sign up for e-statements

HomeTowne Checking

The 4 Advantages of a HomeTowne Account

· Best money market savings rate in town – Guaranteed** (and this is a checking account!)
· Unlimited check writing.
· No more transfers between checking and savings – the money is already there.
· FREE internet banking. FREE auto-payment of bills. FREE debit/ATM card.

This is not a savings account, but you may not need one with this account!!
-$1,000 to open/ $1,000 minimum balance*
-Unlimited Check Writing – No Per Check Charge
-Free ATM/Debit Card
-Check Safekeeping
-Best money market rate in town – Guaranteed**

*If balance falls below the minimum, the account will be assessed a fee based on the First National fee schedule

**First National will match or beat any money savings rate paid by an FDIC insured bank in your market area, be it East Lansing, Grand Rapids, or Traverse City, Michigan. “Match or beat” rates will be determined each month and changed accordingly. not available for business or public units.  Rate specials lasting 6 months or less are excluded. Future rates on this account are subject to change. The guarantee is subject to annual renewal.
-The rates are so good you may not need a savings account!

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