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Personal Savings Accounts

First NBC Bank offers secure savings accounts that provide available liquidity while earning interest.

Account Type More Info Monthly Service Charge Minimum Opening Balance Monthly Balance To Avoid Service Charge Minimum Daily Balance to Earn Interest
Smart Savings More›› $3 $500 $300 Minimum Daily Ledger  Balance $0

Smart Savings

A savings account that allows you to save and earn interest while maintaining access to your money:

  • No monthly service charge with a minimum daily ledger balance of $300, otherwise a $3 monthly service fee
  • Make up to three withdrawals per month and pay no fee*
  • A $2 fee will be assessed for each withdrawal over three per month regardless of minimum balance
  • Earn interest on the daily balance 
  • Tiered interest rate levels that allow you to earn more on higher balances
  • Interest is compounded daily and credited monthly
  • Minimum opening deposit of $500

*Federal Law limits the number of withdrawals to six (6) “convenient transfers” from your account each four (4) week or similar period. Convenient transfers include pre-authorized or automatic transfers, telephone (including data transmission) agreement, and transfers by check, draft or debit card or similar order (including POS transactions) made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Christmas Club Savings More›› None


No Minimum Balance Required $5

Christmas Club Savings

A savings account that allows you to save and earn interest in preparation for the expenses of the holiday season:

  • No monthly service charge
  • Automatically deposit funds weekly, bi-weekly, or monthly from your First NBC Bank checking account (automatic minimum deposit of $5 required per month)
  • Earn interest on a minimum monthly balance of $5 or more
  • Interest is compounded daily and credited monthly
  • Disbursements made to your checking account by November 1st
  • Only $5 to open