FLNB Savings Account


Our Savings Account requires a minimum opening balance of $100.00. If you maintain an average daily balance of $300.00 or more per statement cycle, we do not charge a low balance charge. If your average daily balance drops below $300.00, our monthly low balance charge is $5.00. Three (3) withdrawals a month are allowed at no cost, anything over the three is $5.00 per withdrawal.

You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card or other similar transactions from your account per month or statement cycle.


Deposit interest rates are established weekly based on existing money market rates and local conditions. For our current Certificate rates please view our Interest Rates page, see one of our Bank Representatives or call our First Line at 336-5290. Certificates are opened on a fixed rate basis, your interest rate will remain the same for the term of the certificate, regardless if the interest rate changes during the time that you have your certificate open.


To help you save on a monthly basis, we can set up an auto transfer from your checking account to your savings account. You tell us how much and we do the rest.


If the balance in your checking account is not sufficient to pay a check, money can be transferred from your savings account or your money market account to prevent an overdraft and the related service charge. The cost of this service is $2.00 per daily transfer.


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