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Save for the Unexpected

When emergencies happen, the last thing you want to worry about is having enough money to cover the cost. Whether it’s a broken-down car, a burst pipe, or a furnace gone bad, take the urgency out of emergency situations with a simple savings plan.

Already have a savings account with another bank or credit union? We make it easier than ever to switch your automatic payments and direct deposits from your previous account to FNB. Whether you’ve trusted us with your banking needs for years or you’re beginning a new banking relationship with us, we’re excited to provide you with a seamless switching experience. Ask us about it!

Savings Account Options

Regular

Choose If
You want a basic account to save money and build your balance

Opening Deposit
No minimum

Minimum Balance
None**

Earns Interest
Yes*

Interest Compounded & Credited
Monthly

Monthly Service Charge
$5**

Transaction Limits
None until further notice

Learn More Apply Now

SavingsFirst

Choose If
You keep a higher balance and want to grow your savings

Opening Deposit
$5,000 minimum

Minimum Balance
$5,000*

Earns Interest
Yes*

Interest Compounded & Credited
Quarterly

Monthly Service Charge
No

Transaction Limits
None until further notice

Learn More Contact Us

First Platinum

Choose If
You want to maximize interest on your high savings balance

Opening Deposit
$25,000 minimum

Minimum Balance
$25,000

Earns Interest
Yes

Interest Compounded & Credited
Quarterly

Monthly Service Charge
No

Transaction Limits
None until further notice

Learn More Contact Us

Certificate of Deposit Accounts (CDs)

Investing part of your savings in a Certificate of Deposit account (CD) with negotiable rates is a safe and effective way to reach your short- and long-term money goals.

Learn More

Learning To Fly Program

Is your child ready to start saving? Our child checking and savings accounts make saving a fun and rewarding experience for the whole family.

Learn More

*You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield.
**Service charge applies if balance falls below $300 any day of the month. Waived for customers under 26 years of age. This charge will also be waived every month if a recurring automatic internal transfer(s) totaling at least $25.00 is established and conducted each month from a personal checking account at The First National Bank in Sioux Falls. This service charge will not be waived and the service charge will be imposed if the transfer(s) is cancelled or does not occur during each month.