Savings Options

Savings Accounts

First ETA Account

The Electronic Transfer Account - ETA is offered to customers who get Social Security benefits or other Federal payments. Have your check automatically deposited to a new federally insured account on time, every month at First National Bank Bemidji. You can enjoy the safety, security and convenience of the ETA.

No minimum balance required
Funds are available on benefit day
The first four withdrawals per statement cycle are free, with a $.25 fee for each thereafter
No additional deposits may be made to this account
TeleBanc is available for inquiry only - no transfers from this account
Free 1st Net Connection Internet Banking access for internet banking.
Statement issued monthly
Convenient ATM access for withdrawals with a 1st Teller 24 ATM card
$3.00 monthly fee
Overdraft fee - $10 maximum fee in any 24 hour time period
Apply Online to set up an account

Thrift Savings Accounts

A basic savings plan with a minimal balance requirement:

Competitive interest rate
A minimum deposit of $50 is required to open a Thrift Savings Account.
If average daily balance goes below $50, there is a $1 monthly service fee.
Free & convenient 1st Telebanc access
Free 1st Net Connection Internet Banking access for internet banking.
Convenient ATM deposits & withdrawals with a 1st Teller 24 ATM card
The first two withdrawals are free, with a $.25 fee for each thereafter
Statement issued quarterly
Apply Online to set up an account

Young Investor Savings Account

This savings plan helps young people under 18 save for the future. Click here for full details....

Statement Savings

An excellent basic savings plan:

Competitive interest rate
A minimum deposit of $100 is required to open a Statement Savings account.
There is a $1 monthly service fee, if the average daily balance falls below $200.
Convenient ATM deposits & withdrawals with a 1st Teller 24 ATM card
The first five withdrawals are free, with a $.25 fee for each thereafter
Free & convenient 1st Telebanc access
Free 1st Net Connection Internet Banking access for internet banking.
Statement issued monthly
Apply Online to set up an account

Money Market Savings

First National Bank Bemidji offers a flexible account that offers easy access. You can also earn higher interest rates by maintaining higher balances.

Competitive interest rates, this account features tiered rates based on balance.
A minimum deposit of $100 is required to open a Money Market Savings account.
No monthly fee with a minimum balance of $1000.
There is a $3 fee per month if the balance falls below the minimum balance of $1000.
Free check writing up to 3 checks per month.
Unlimited transactions at all FNB Bemidji office locations or via 1st Teller 24 ATM locations
Free & convenient 1st Telebanc access
Free 1st Net Connection Internet Banking access for internet banking.
Statement issued monthly; canceled checks are not returned
Apply Online to set up an account

Another benefit of investing in FNBB savings accounts is the security of FDIC insurance. See details here.