Personal Savings
Savings Accounts
HNB First Bank offers a variety savings accounts to suit your individual banking needs. From the young, new saver to the more experienced investor, we have a variety of accounts that will accommodate you. Please contact one of our Customer Service Representatives to learn more about opening an account with us.
This savings account earns interest, but allows you to maintain a low balance and have easy access to funds.
- Minimum opening deposit $100.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $100.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $50.00 if the account is closed within six months of opening
Savings Accounts
HNB FIRST offers a variety of savings accounts to accommodate our customers, from the very young new saver to the more experienced investor. Please contact one of our savings representatives for the current annual percentage yield on any of our savings products.
This savings account earns interest, but allows you to maintain a low balance and have easy access to funds.
- Minimum opening deposit $100.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $100.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $50.00 if the account is closed within six months of opening
Senior Citizen
This savings account is designed for our customer’s age 55 and older.
- Minimum opening deposit $25.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $25.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $10.00 if the account is closed within six months of opening
Senior Citizen
This savings account is designed for our customer’s age 55 and older.
- Minimum opening deposit $25.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $25.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $10.00 if the account is closed within six months of opening
Student or Minor
A minor or student account helps young children and adults begin saving money and earning interest. Parents of infant children can also set up savings account to start saving early for their children’s future. Children under the age of 19 must have a guardian to sign with them on the account. This savings account is designed for students or minors up to age 22.
- Minimum opening deposit $25.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $25.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $10.00 if the account is closed within six months of opening
Student or Minor
This savings account is designed for students or minors up to age 22.
- Minimum opening deposit $25.00
- Unlimited deposits
- Quarterly statements (provided monthly with EFT or ACH activity)
- Interest accrues daily and compounds quarterly
- A minimum daily balance of $25.00 will avoid a service charge of $5.00 per month
- Unlimited withdrawals by mail, ATM or in person
- Unlimited transfers to another of your accounts at HNB by mail, ATM or in person
- Limit of six total transfers per month by any of the following methods: ACH debits, telephone transfers, preauthorized transfers, transfers made through telephone banking or internet banking
- Fee of $10.00 if the account is closed within six months of opening
Christmas Club
This account helps to lighten your load at Christmas. Make regular payments with a coupon book or have it automatically debited from your checking account. You set the amount and watch your money grow. A check for your balance (including interest earned) will be mailed to you on November 3rd each year.
- Minimum opening deposit $25.00
- Unlimited deposits
- Interest accrues daily and compounds annually
- Withdrawals are not allowed
- A fee of $50.00 will be charged if account is closed prior to the November 3rd check date, and accrued interest will be forfeited
Christmas Club
This account helps to lighten your load at Christmas. Make regular payments with a coupon book or have it automatically debited from your checking account. You set the amount and watch your money grow. A check for your balance (including interest earned) will be mailed to you on November 3rd each year.
- Minimum opening deposit $25.00
- Unlimited deposits
- Interest accrues daily and compounds annually
- Withdrawals are not allowed
- A fee of $50.00 will be charged if account is closed prior to the November 3rd check date, and accrued interest will be forfeited
Certificates of Deposit (CDs)
With as little as $500.00 you may purchase a Certificate of Deposit and earn a higher rate of interest.
- Minimum opening deposit $500.00
- Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
- Terms range from 3 months to 5 years
- Early withdrawal penalties may apply if withdrawn before maturity
Certificates of Deposit (CDs)
With as little as $500.00 you may purchase a Certificate of Deposit and earn a higher rate of interest.
- Minimum opening deposit $500.00
- Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
- Terms range from 3 months to 5 years
- Early withdrawal penalties may apply if withdrawn before maturity
Individual Retirement Accounts (IRAs)
HNB First Bank offers Traditional, Roth, and Coverdale Education IRAs. Let us help you plan for your future now.
- Minimum opening deposit $500.00
- Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
- Terms range from 3 months to 5 years
- Early withdrawal penalties may apply if withdrawn before maturity
Individual Retirement Accounts (IRAs)
HNB First offers Traditional, Roth, and Coverdale Education IRAs. Let us help you plan for your future now.
- Minimum opening deposit $500.00
- Interest may be added back to your certificate, deposited to your HNB checking or savings account, or mailed to you in the form of a check
- Terms range from 3 months to 5 years
- Early withdrawal penalties may apply if withdrawn before maturity
Send a Message
Have a question about personal savings accounts? Please use the form to send us a secure message and a bank representative will be in contact soon. To speak with a representative of HNB First Bank directly, please call 334-693-3352 or toll free 1-866-693-3352 during banking hours.