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**1,000 minimum balance to obtain the APY. The same CD rates are available on HSA, Roth and Traditional IRA CD's. The APY on all certificates assumes that principal and interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. For deposits over $1 million dollars, please call for rates.

Signature Checking is a tiered, variable rate account with a minimum opening deposit of $1,000. Account balances up to $250,000 will earn interest at 2.51% APY; balances greater than $250,000 will earn interest at 2.75% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier.  For example, if your balance is greater than $250,000, your entire balance will earn 2.75% APY.  Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. A $10.00 Service Fee will be imposed if your daily balance falls below $1,000 on any day of the statement cycle period.

Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $1,000 of new money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. *To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. Statement Cycle is defined as the monthly recurring time period between two consecutive account statements (i.e.  Sept 5th through October 4th). Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly Statement Cycle, 4.50% APY will apply to balances up to $20,000; 4.50% - 3.00% APY will apply to balances greater than $20,000 up to $50,000; 3.00% - 2.63% APY will apply to balances greater than $50,000 up to $100,000; 2.63% - 2.51%  APY will apply to balances greater than $100,000 up to $1,000,000 and an APY of 2.51% - 2.60% for balances greater than $1,000,000. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. General information: If you do not meet one or more of the rewards qualifications, your APY will be reduced to 0.01%. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.

Relationship Checking is a checking account designed exclusively for our existing mortgage customers with a $1,000 minimum required to open the account. Participating customers with a Relationship Checking account are eligible to receive a monthly benefit based on the amount of funds on deposit in the Relationship Checking account, the outstanding loan balance at the end of each statement period and the loan discount you are eligible for.  Actual savings will vary by customer. The relationship benefit will be received in the form of a credit deposited into the Relationship Checking Account. The customer must sign a First National Bank of America Relationship Reward Benefit Program agreement to receive the relationship benefit. Benefits are not retroactive and credits will not be issued for any interest paid prior to signing up for the relationship benefit program. Other restrictions apply. Ask us for details. First National Bank of America reserves the right to amend, terminate or withdraw the relationship benefit at any time without prior notice. Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit and home lending products provided by First National Bank of America

High Yield Savings Promotion is a tiered, variable rate account with a minimum opening deposit of $1,000. For the first 6 months from the date of the account opening, a promotional rate of 4.00% APY will apply to all balances. The promotional rate of 4.00% APY only applies to New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify.  Account balances up to $20,000 will earn a rate of 3.11% APY; balances greater than $20,000 up to $50,000 will earn a rate of 3.25% APY; balances greater than $50,000 up to $100,000 will earn a rate of 3.37% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.49% APY; balances greater than $250,000 will earn a rate of 3.75% APY. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate for that tier. For example, if your balance reaches $250,000 or more, your entire balance will earn 3.75% APY. The promotional rate is available to new accounts only.  Interest will be calculated and posted on the last day of each monthly Statement Cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day. After the promotion period ends, you will earn interest at the standard product rates. Promotional rates are not available for High-Yield Health Savings Accounts (HYHSA).

Standard High Yield Savings and High Yield HSA's are tiered, variable rate accounts with a minimum opening deposit of $1,000. Account balances up to $20,000 will earn a rate of 2.25% APY; balances greater than $20,000 up to $50,000 will earn a rate of 2.50% APY; balances greater than $50,000 up to $100,000 will earn a rate of 2.75% APY; balances greater than $100,000 up to $250,000 will earn a rate of 3.00% APY; balances greater than $250,000 will earn a rate of 3.50% APY. When your balance falls into a specific rate tier; your entire balance will earn the applicable rate for that tier. For example, if your balance exceeds $250,000, your entire balance will earn 3.50% APY. Interest will be calculated and posted on the last day of each monthly statement cycle using a Daily Balance Method. The Daily Balance Method applies a periodic rate to the principal balance in your account each day.

Health Savings Accounts (HSA) (including HSA Checking, High Yield HSA Savings and HSA CD's) are available to families or individuals that meet IRS requirements. HSAs offer potential federal tax advantages, including tax-deductible contributions, tax-free earnings, and tax-free withdrawals for qualified medical expenses as defined under the Internal Revenue Code. Annual HSA contribution limits are set by the IRS and are subject to change each year. Over-contributions may result in excise taxes and penalties. First National Bank of America serves as custodian of the HSA and does not provide medical, tax, or legal advice. Account holders are encouraged to consult a qualified tax professional regarding their individual circumstances and eligibility.