Savings

Save For The Special Moments In Life

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. 

Real Life Savings

A Smart Way To Save

FREE Electronic Banking Package

FREE ATM Card

Earn Interest on average daily balance

Fee Elimination - No service charge if balance remains at or above $100 every day of the statement cycle

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

Withdrawals - Six withdrawals are allowed each month at no charge

Transfers - Six transfers are allowed each month by pre-authorized telephone or online banking transfers

Student Life Savings

Save For The Future

Especially for Students ages 15 to 24 who are enrolled in high school or higher education

FREE Electronic Banking Package

FREE ATM Card

Earn Interest on average daily balance

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

Withdrawals - Six withdrawals or transfers are allowed each month at no charge

Kids Club Savings Account

You love to have fun. So do we! Join our Kids Club Account and let the fun begin!

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!

Only $5 Deposit to Open

Tiered interest rate earned on average daily balance

FREE Electronic Banking Package

Withdrawals - Two withdrawals at no fee  

Health Savings Accounts

  • No set up fee or monthly maintenance fee
  • Earn interest on average daily balance
  • $25 minimum opening balance required
  • No external transfer or closing fee
  • Unlimited check writing
  • Free HSA Debit Card
  • Free Online Banking, e-Statements, Mobile Banking and Touch Tone Banking

Real Investment Money Market 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 
  • Free Debit Card
  • Free Online Banking and Online Bill Pay
  • Free e-Statements, Mobile Banking and Touch Tone Banking
  • Six withdrawals are allowed each month at no charge (additional withdrawals may be made for a fee)
  • Six transfers are allowed each month by preauthorized, automatic, telephone, or online banking transfer

Money Market IRA

  • $50 minimum opening balance required
  • Add to or withdraw from the account balance at any time
  • Earn interest according to the account balance
  • Contribution may be tax deductible based on taxable income
  • Available in Traditional and Roth IRAs

Christmas or Vacation Club

  • Christmas Club - Account opens on November 1st and pays out on October 15th of the following year
  • Vacation Club - Account opens on June 1 and pays out on May 15th of the following year
  • Earn 1.00% 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 and one Vacation Club account