First National Bank of Manchester
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Savings Accounts

FIRST NATIONAL BANK SAVINGS ACCOUNT

At First National Bank of Manchester we understand  that savings accounts help yo make the most of your money.  Whether you are planning for childs's education, an early retiremment, or a family vacation.

Our wide variety of savings products can accomodate all of saving needs, and all at competitive rates.

 
 

HONORS ACCOUNT


  

First National Bank recognizes the importance of maintaining good grades. That’s
why we are excited to introduce our “Honor’s Program”.
For every “A” that you have on your report card. You will earn $1.00 that will be
deposited into a Honors Program Savings Account in your name.
All you have to do is bring your report card into the bank to open your savings
account and then again each grading period to receive your reward.
How our Honors Program works

  • For each "A" on your report card you will receive $1.00 up to a maximum per grading period of $7.00 (Academic A's only)
  • All money earned must remain on deposit until graduation or 18 years of age.  
  • Offered to grades K-12th grade
  • No minimum balance required
  • All accounts must have a parent or guardian
  • We also except deposits between grading periods
  • Earns Interest                                                                                                                             


STATEMENT SAVINGS ACCOUNT

 Minimum opening deposit $100.00

  • Earns Interest  View Rates this account is an interest bearing account.  

1Statement Savings disclosure below.

Minimum opening deposit $25.00

  • Free Internet Banking and Bill Payment
  • Earns Interest         View Rates
  • No monthly balance requirements
  • No monthly service fees
  • Offered to minors up to age 12

1Cash the Clown Savings Disclosure listed below

Account Information This Account is interest bearing.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account weekly.  Interest begins to accrue on the business day you deposit noncash items (for example, checks.  Interest wil be compounded semi-annually and will be credited to the account semi-annually.  If the acount is closed before interest is credited, you will not receive the accured interest. We use the daily balance method to calculate the interest on this account.  This method applies a daily periodic rate to the principal in the account each day.
Minimum Balance 
to open Account

 

 You must deposit $15.00 to open this account.

Limitations

 You may make (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Balance 
Information

We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
Account Fees A service fee of $1.00 will be imposed every month if the balance in account falls below $100.00 any day of the cycle.  An excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of 6 calandar month.
   


 VACATION/CHRISTMAS CLUB

 Get ready for next year;'s vacation by opening a Vacation Club Account TODAY! It's the stress-free way to save all year long, and it's free.  You can have money transferred automatically on the schedule of your choice.  Minimum deposit $2.00

  • Make deposits weekly or monthly
  • A check will be issued at maturity
  • Earns interest      View Rates
  • Early closing fee is $15.00 (does not apply within first 7 days)

1Vacation/Christmas Club Disclosure below

 
Account Information This Account is interest bearing.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account weekly.  Interest begins to accrue on the business day you deposit noncash items (for example, checks. Interest will not be compounded on the account.  Interest will be credited to the account at maturity.  If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance 
to open Account

 

 You must deposit $2.00 to open this account.

Limitations

You may not make withdrawals from your account until maturity..

Balance 
Information

We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
Account Fees An early close fee of $15.00 wil be charged (does not apply within the first 7 days. ).
   



  Click below for more Informaton on Cash the Clown Savings Accounts

 

 

 

 


 


 

Account Information This Account is interest bearing.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account weekly.  Interest begins to accrue on the business day you deposit noncash items (for example, checks.  Interest wil be compounded semi-annually and will be credited to the account semi-annually.  If the acount is closed before interest is credited, you will not receive the accured interest. We use the daily balance method to calculate the interest on this account.  This method applies a daily periodic rate to the principal in the account each day.
Minimum Balance 
to open Account

 

 You must deposit $100.00 to open this account.

Limitations

 You may make (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Balance 
Information

We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
Account Fees A service fee of $1.00 will be imposed every month if the balance in account falls below $100.00 any day of the cycle.  An excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of 6 calandar month.
   

 


CASH THE CLOWN ACCOUNTS

 

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