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Checking
 eCheckingLifetimeMoney Market
Opening Deposit $100 $100 $2,500
Free Online Banking &
Bill Pay
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Service Charge No Charge $6 - Waived with E-Statements No charge for balance over
$2,500
Free VISA Debit Card Checkmark  Checkmark  Checkmark 
Free Access to
Alliance One ATMs
(find locations)
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Free Overdraft
Protection Available
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First Line Available Available Available
Free Anywhere Bank
Phone Access
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Earns Interest  No Click for Current Rates Click for Current Rates
Savings/CDs (click to see rates)
 LifetimeKid's ClubCD'sIRA CD'sChristmas Club
Opening Deposit $100 $25 $500 $500 $10
Earn Interest Checkmark
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Service Charge $3 if below $100 No Charge     No Charge
Limitation 6 withdrawals
per month
Details
6 withdrawals
per month
Details
Penalty for
early withdrawal
Details
Penalty for
early withdrawal
Details
No withdrawal
before maturity

 Click to view Saving/CD Disclosures

Savings Accounts

In the world of Savings Accounts, there are three primary vehicles: Standard Savings Accounts, Certificates of Deposit, and Money Market Accounts.

  • Standard Savings Accounts: Standard Savings Accounts often allow access to cash without penalties. Though the interest rate is low (rarely above 3%), it is less risky and steadily grows.
  • Certificates of deposit (CDs): CDs typically pay a higher interest rate than regular savings accounts. However, you have less flexibility to withdraw whenever you want to. If you withdraw too soon, you could be penalized and lose some or all of the interest earned.  CD investments allow you to grow your money safely. Learn how they work and what strategies to use for the best returns. By understanding the basics of CD investments and common pitfalls, you can avoid costly mistakes.
  • Money market accounts (MMAs): MMAs also pay a higher interest rate than regular savings accounts. Unlike CDs, however, you are usually allowed to write a limited number of checks or even make a transfer during each month assuming you do not go below your required minimum balance. If you do go below your minimum, you could be assessed fees or lose any interest earned, or both.

FNB Germantown's savings accounts have a way of making your goals and plans come true for that long-awaited vacation, savings for college, paying for a wedding, a nest-egg for retirement, or just a rainy day emergency fund for unexpected expenses. Contact us regarding the many ways we can help you save depending on your needs!