Simplify Your Savings
Increasing your savings is as simple as building a snowman: just start small and watch your money grow. Our bankers are here to help you achieve your short-term goals, whether that’s an emergency fund, a family vacation, or home-improvement projects.
Apply for an account
Savings Account Options
Regular |
SavingsFirst |
First Platinum |
|
| Choose If | You want a basic account to save money and build your balance. | You keep a higher balance and want to grow your savings. | You want to maximize interest on your high savings balance. |
| Opening Deposit & Minimum Balance | No minimum** | $5,000* | $25,000* |
| Earns Interest | Yes* | Yes* | Yes* |
| Interest Compounded & Credited | Monthly | Quarterly | Quarterly |
| Monthly Service Charge | $5 (waived if criteria are met)** | No | No |
| Transaction Limits | None | None | None |
|
Learn More Apply Now |
Learn More Contact Us |
Learn More Contact Us |
**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.
Savings Account FAQs
In Person
- You can open a savings account in person at any First National Bank branch.
Online
- You can apply for a savings account online. Upon receiving your application, our team may follow up with questions that require you to visit us in person before you have access to your savings account.
At a minimum, we require that customers provide us with a copy of one primary document such as a driver’s license or U.S.-issued passport prior to opening an account.
Setting up automatic transfers from your FNB checking account to your savings account is a great way to grow your savings.
In Person
Visit any First National Bank branch, and our team can help you set up recurring transfers between your accounts — no appointment needed.
Online
- Log into Personal Online Banking on our website.
- Navigate to Transfer in the main menu.
- Select the “From account” (a checking account) and the “To account” (a savings account).
- Select the date you wish to transfer the funds. Check the “Repeat” box to set up your preferred transfer schedule.
Please note that at this time, recurring transfers should be set up in person or by logging into Personal Online Banking on a computer or tablet, as they cannot be set up on the FNBSF mobile app.
You have options for transferring money from another financial institution to your FNB checking or savings account.
Personal or Cashier’s Check
- Visit any First National Bank branch to deposit funds using a personal check or a cashier’s check from another institution.
Online Transfer
- Set up a one-time or recurring external transfer using our TransferNow feature within Personal Online Banking. Watch our demo video for step-by-step instructions.
- Not enrolled in Personal Online Banking? Contact us to learn more!
And if you have automatic payments or direct deposits set up with another bank account, we make the switching process seamless. Explore our simple steps for switching.
All personal savings accounts earn interest* — helping your money grow.
Rates vary by account type. If you have a savings account with FNB, you can view the account’s interest rate by logging into Personal Online Banking or by reaching out to our Personal Banking team.
*You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield.
Choosing the right savings account depends on your money goals. Keep in mind that some of our savings accounts have minimum balance requirements. Our team can help you compare options.
Yes! Our Learning to Fly youth savings program is a great way to teach your child the importance of saving early. Stop by one of our locations, or contact our Personal Banking team to learn more.
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
