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Personal Savings

Review this page to see which type of Savings Account fits your individual needs and lifestyle! Our broad range of personal and business financial solutions relies on secure, cutting-edge technology to make banking quick, easy and convenient. Contact a Customer Service Representative for details.

Statement Savings include account access, transaction images, account transfers and payment of FNBT loans. Passbook Accounts are limited to balance inquiries and historical data only.

Paperless Savings*

  • Online Balance Inquiries and Convenient eStatements
  • Environmentally-Friendly
  • Tiered Interest Rates
  • No Service Charge on accounts with a balance of more than $200
  • Free Online/Mobile Banking
  • Online Financial Management (to help you track and meet your financial goals)
  • Free Telephone/Express Banking
  • Unlimited use of FNBT ATMs
  • Optional Direct Deposits

Start saving for a brighter tomorrow with a Paperless Savings account. Minimum opening deposit $25.00. Tiered interest rates: as your balance grows, so too does your interest rate. No monthly statement will be mailed, you will receive your statement online. A $2 Service Charge will apply if the Account Balance falls below $200 on any day of the month. You may make no more than 6 pre-authorized withdrawals, automatic or telephone transfers, net teller transfers, drafts and debit card or similar transactions from your account per month (an excessive transaction fee of $5.00 will be charged for each transaction over these limits). Interest Rates and Annual Percentage Yield are subject to change without notice. Interest will be compounded daily and credited to your account quarterly. Interest is calculated using the daily balance method (applies a daily periodic rate to the account principal each day). Accrual of interest on non-cash items (checks) begins on the business day you deposit them. If your account is closed within 90 days after opening, an early closing fee of $20 will be charged. After one year of zero account activity and a balance below $200, a dormant fee of $6 per quarter will be charged.

Passbook Savings*

Start this traditional Passbook account with a minimum $25.00 deposit. Interest is compounded daily and is based on your current balance. Non-cash deposits earn interest on the day of deposit and interest is credited to your account semi-annually. Dormant accounts (1 year of no activity) having a balance of below $100.00 will be charged a maintenance fee of $12.00 semi-annually. A service charge of $1.00/month will be charged if the balance falls below $100.00 any day of the month. An early closing fee of $20.00 is charged if your account is closed within 90 days of opening.

Royal Savings*

Loyalty is always rewarded! Open this account with $1,000.00. A Royal Checking Account MUST be maintained to qualify for a Royal Savings Account. Enjoy special interest rates, free Online Banking, a free MasterMoney Card (no annual fee), and no monthly service charge (the following service charge will be imposed on your Royal or Royal Blue Checking Account should your combined accounts fall below the minimum balance: $25.00 if you fall below $25,000.00 for Royal Relationship Accounts. $10.00 if you fall below $10,000.00 for Royal Blue Relationship Accounts.). Interest will be compounded daily, and credited to your account quarterly. Automatic transfers are available from your Savings Account to your Checking Account to cover overdrafts (when an automatic transfer is initiated to cover an overdraft, a fee of $10.00 will be applied). All accounts MUST have the same person listed as the primary account holder, whether sole or jointly owned. You may make no more than six (6) preauthorized withdrawals including automatic or telephone transfers, net teller transfers, drafts and debit card transactions from your account per month or statement cycle. An excessive transaction fee of $5.00 will be charged for each transaction over the limit listed above. Dormant Fee: A quarterly maintenance fee of $12.00 will be imposed after one (1) year of no activity. An early closing fee of $20.00 will be charged if your account is closed within 90 days of opening. Other terms and conditions may apply. Ask your account representative for additional details.

Statement Savings*

Open this account with $25.00 and watch it grow as interest is compounded every day, based on your current balance. Non-cash deposits earn interest on the day of the deposit. Interest is credited to your account quarterly. Dormant accounts (1 year of no activity) having a balance of below $100.00 will be charged a maintenance fee of $6.00 quarterly. A service charge of $1.00/month will be charged if the balance falls below $100.00 any day of the month. An early closing fee of $20.00 is charged if your account is closed within 90 days of opening. You may make no more than six preauthorized withdrawals, automatic or telephone transfers, drafts and debit card or similar transactions from your account per month or statement cycle.

Money Market Passbook*

Open this account for $2,500.00. While interest is compounded monthly and credited to your account monthly, it is calculated daily based on the principal balance in the account. Transactions are limited to three withdrawals per month.

* Your interest rate and annual percentage yield may change. Please contact your nearest branch office for complete account disclosures.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

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