Savings Account Options
Save smarter and grow your money with our flexible savings account options, tailored to fit your goals. Whether you’re looking for a High-Yield Savings option or something more traditional, we’ve got you covered.
High-Yield Savings
Open online in less than 5 minutes: Earn More, Save More!
Earn a competitive interest rate
$1,000 minimum to open
FDIC insured up to $250,000 per account holder
Easily manage your account online or with our mobile app
No monthly maintenance fee when you maintain a $1,000 minimum daily balance
Learn more about our High-Yield Savings account.
View our Frequently Asked Questions for more information or reach out to one of our account experts at 833-668-1003.
Open your High-Yield Savings account today!
Other Great Savings Accounts Options
Statement Savings
Statement Savings Offers a Simple Way to Build Your Savings
- $100 minimum to open
- Earns interest
- Online & Mobile banking availability
- ATM card to use at over 55,000 Surcharge-Free ATMs
- Requires a $199 minimum average balance per statement cycle to avoid service fees
- Transaction limits apply
Health Savings Account
Perfect for Those With a High Deductible Health Insurance Policy
- Perfect for individuals with a High Deductible Health Insurance Policy
- Earns a competitive interest rate, APY*
- Open with as little as $50
- Requires a $50 minimum balance to avoid service fees
- HSA Debit Card
- eStatements available
See the great rates available in your area:
If balance falls below the minimum, the account will be assessed a fee based on the First National Bank of America fee schedule. Individuals who opt to receive a paper statement will be charged a $2.00 monthly fee.
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. A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. 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 is a tiered, variable rate account 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. A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period.
Health Savings Accounts (HSA) 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.