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$1,000 minimum balance to obtain the APY on any term CD. The same CD rates are also available on Roth and Traditional IRA CD’s for terms from 12 months through 60 months. 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.  *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.   New money is defined as money received from another financial institution and not transferred between accounts at FNBA. 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 $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 deposits 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 Conditional Interest Rate Refund 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. Fees may reduce earnings. 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.