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Saving Accounts

First ETA

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 are free, with a $.25 fee for each additional withdrawal per statement cycle

  • No additional deposits may be made to this account

  • 1st TeleBanc is available for inquiry only - no transfers from this account

  • Free 1st Net Connection - online banking 24 hours a day

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • 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

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 - online banking 24 hours a day

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • Convenient ATM deposits & withdrawals with a 1st Teller 24 ATM card

  • The first two withdrawals are free, with a $.25 fee for each additional withdrawal per monthly cycle

  • Statement issued quarterly

  • Apply Online to set up an account

Young Investor Savings

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 additional withdrawal per monthly cycle

  • Free & convenient 1st TeleBanc access

  • Free 1st Net Connection - online banking 24 hours a day

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • Statement issued monthly

  • Preauthorized transfers, automatic and telephone transfers, and checks written on Money Market Savings Accounts are limited to a combined total of six per month or statement cycle.  These limited transfers include such things as automatic insurance or utility payments, transfers that occur through 1st Net Connection or 1st TeleBanc and automatic loan payments to other financial institutions.

  • 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 $5 fee per month if the balance falls below the minimum balance of $1000

  • Unlimited transactions at all FNB Bemidji office locations or via 1st Teller 24 ATM locations

  • Free & convenient 1st TeleBanc access

  • Free 1st Net Connection - online banking 24 hours a day

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • Preauthorized transfers, automatic and telephone transfers, and checks written on Money Market Savings Accounts are limited to a combined total of six per month or statement cycle.  These limited transfers include such things as automatic insurance or utility payments, transfers that occur through 1st Net Connection or 1st TeleBanc and automatic loan payments to other financial institutions.

  • 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.  

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