Savings Accounts

Savings Accounts that meet all of your Personal Banking Savings needs.  

Statement Savings

Statement Savings Offers a Simple Way to Build Your 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

Perfect for Those With a High Deductible Health Insurance Policy!

  • Earns a Competitive Rate of Interest
  • Requires Only $50 Minimum Balance to Open Account and Avoid Service Fees*
  • Free Online and Mobile Access
  • Free HSA Debit Card
  • Free eStatements (Individuals Who Opt to Receive a Paper Statement Will be Charged a $2.00 Monthly Fee)

For more information on our Health Savings Account

HomeTowne Checking

The More You Save the More You Earn.

  • Best Money Market Rate in Town – Guaranteed**
  • Provides All of the Conveniences of a Regular Checking Account
  • Unlimited Check-Writing
  • FREE Online Banking, FREE Bill Payment, FREE Debit/ATM Card
  • Mobile and Text Banking
  • $1,000 to Open/ $1,000 Minimum Balance*

*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 market savings rate from an FDIC insured bank in East Lansing, Grand Rapids, or Traverse City, Michigan based upon where you reside. “Match or Beat” rates will be determined monthly and changed accordingly – rate specials lasting 6 months or less and rates with additional deposit or loan requirements are excluded. Not available for businesses.