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 you make the most of your money.  Whether you are planning for your child's education, an early retirement, or a family vacation.

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

Stop by one our locations to start your Savings Account today. 



 

STATEMENT SAVINGS ACCOUNT

 

 Minimum opening deposit $100.00

  • Earns Interest 

1Statement Savings 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 be compounded semi-annually and will be credited to the account semi-annually.  If the account is closed before interest is credited, you will not receive the accrued 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 during a calendar 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 
  • 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 will be charged (does not apply within the first 7 days).

 


 

HONORS ACCOUNT

The First National Bank of Manchester recognizes the importance of achieving good grades, and acknowledges the hard work that goes into getting them. To show our support for hard-working students, and to add incentive for children to do well in school, we created an Honors Program for the high achievers. Students who enroll in our Honors Program Savings Account will earn $1.00 for each "A" grade on their report card. To open an Honors Savings Account, all they have to do is bring in their report card, identification and a parent/legal guardian into the bank, open the account, and then come back each grading period with their next batch of "A's" to earn their reward.

How our Honors Program works

  • For each "A" on your report card you will receive $1.00 (up to a maximum $7.00 per grading period, eligible for Academic As only)
  • All money earned must remain on deposit until graduation or 18 years of age.  
  • Offered to grades K-12
  • No minimum balance required
  • All accounts must have a parent or legal guardian
  • Deposits may be made into this account
  • This account earns interest                                                                                                                           

 


CASH CLOWN SAVINGS ACCOUNT

 

Minimum opening deposit $15.00

  • Free Internet Banking and Bill Payment
  • Earns Interest
  • 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 will be compounded semi-annually and will be credited to the account semi-annually.  If the account is closed before interest is credited, you will not receive the accrued 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 during a calendar month.


   Click below for more Information on Cash the Clown Savings Accounts

 

          

 

 


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