Discover the savings account that is right for you. With a wide range of savings options, we can help you reach your short and long-term financial goals.

Our savings accounts include:

  • Direct access to your personal banker.
  • Seamless digital banking experience.
  • Choice of custom designed VISA debit card.
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Real Life Savings

An essential savings account that helps your money grow.

Earn Interest on average daily balance

No service charge if balance remains at or above $100 every day of the statement cycle or primary account holder is age 24 years and younger.

Protect your checking account from excessive fees with the Overdraft Sweep feature

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Real Investment Money Market

Interest-bearing savings with the convenience of a checking account.

No monthly service charge, unless the balance drops below $2,500 on any day of the statement cycle

$2,500 minimum opening balance required

Tiered interest rate earned when account maintains a $2,500 average daily balance

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Health Savings Account

A savings account to pay for qualified medical expenses.

No set up fee or monthly maintenance fee

Earn interest on average daily balance

No external transfer or closing fee

Unlimited check writing

$25 minimum opening balance required

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Kids Club Savings

Plan for the future and teach your kids to save.

Especially for Kids age 14 and younger

Special advantages all year long!

  • Gift for New Accounts – Get ready to save that change and earn a really cool gift!
  • Deposit Punch Cards – For each deposit made into a Kids Club Account, the Kids Club Member gets a “punch” on their card. After 5 “punches”, the Kids Club Member gets a coupon for a Free Sweet Treat!
  • Birthday Presents – Kids Club Members get a Gift Certificate to a local restaurant or attraction to celebrate their special day!
  • Kids Club Parties – Join the celebration with Kids Club parties, events and activities throughout the year!
  • Contests – Kids Club Members can participate in contests throughout the year to win great prizes!

Tiered interest rate earned on average daily balance

$5 Minimum Opening Deposit

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Club Accounts

Save for special moments throughout the year.

Christmas Club – Account opens on November 1st and pays out on October 15th of the following year 

School Savings Club – Account opens on August 1st and pays out on July 15th of the following year

Vacation Club – Account opens on June 1st and pays out on May 15th of the following year

Earn .10% Annual Percentage Yield (APY) on balances up to and including $2,500

Interest is computed on your average collected balance and credited at the time of disbursement

Payments can be made with Automatic Funds Transfer (AFT) or Online Banking transfer

Customer must have an account relationship with FCNB to open a Christmas or Vacation Club

Customers are allowed to have one Christmas Club, one School Savings Club and one Vacation Club account