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Product FirstRate Savings* FirstRate Money Market** Health Savings
Minimum Balance to Avoid Fee $300 average daily balance; $4.00 monthly fee $5,000 average daily balance; $10.00 monthly fee None; An initial set up fee and annual fee apply
Interest Rate & Payment Terms Tiered variable rate, compounded quarterly Tiered variable rate, compounded monthly Tiered variable rate, compounded monthly
Additional Benefits FNB Online Banking, ATM access, FDIC insured; tiered rate means you earn more on higher balances FNB Online Banking, ATM access, FDIC insured; tiered rate means you earn more on higher balances FNB Online Banking, ATM access, check writing permitted, FDIC insured
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Savings Chart Additions:

*No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. A Reg D transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.

**No more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle including transfers to another account of the depositor at the same institution or to a third party by means of preauthorized, telephone or automatic transfer, or by check, draft, debit card. A Reg D transfer fee of $15.00 will be assessed for each transaction in excess of the prescribed limits. You can make unlimited deposits and withdrawals at a branch or ATM. Failure to follow the transfer limitations may result in converting your interest bearing account to a non-interest bearing product type.