Accounts are funded via ACH transfer from a checking or savings account (please note we are not able to ACH transfer from a brokerage, annuity, or certificate of deposit account).

• Please allow up to ten business days for the funds to be withdrawn from your external account
• ACH funding will be requested on the date of account opening

There is a $1,000.00 minimum opening requirement.

FNBA does allow partial withdrawals. The penalty charged is based on the term of your Certificate of Deposit. The penalty may result in a reduction of your principal balance.

• 1-11 Months = 90 days of interest
• 12-23 Months = 180 days of interest
• 24-47 Months = 360 days of interest
• 48-59 Months = 540 days of interest
• 60 Month = 540 days of interest
• 72 Month = 540 days of interest
• 84 Month = 540 days of interest
• 96 Month = 720 days of interest
• 108 Month = 720 days of interest
• 120 Month = 720 days of interest

Early withdrawal penalties are the same for online and in-branch Certificates of Deposits.

• Personal Certificates of Deposits
• Personal High Yield Savings Accounts

We are unable to offer specialized accounts online (business, trusts, estates, power of attorneys, custodial accounts, health savings accounts, or individual retirement accounts).

Yes. First National Bank of America is a member of the FDIC. Your deposits are insured up to $250,000.00 per account holder, per ownership category. FDIC insurance calculation information is posted here: https://edie.fdic.gov/

Certificate of Deposit account rates are set at account opening and fixed for the duration of the term.

Certificates of Deposits do not have monthly fees

You will receive a maturity notice in the mail approximately 30 days prior to the maturity date of your Certificate of Deposit.

There are multiple options available upon maturity:

1. Take no action, your entire CD will rollover automatically for the same term at the rate currently offered
2. Rollover your entire CD into a new term with the rates currently offered
3. Withdraw part of your CD and roll the remainder over into a new term with rates currently offered
4. Withdraw all of the funds in the CD

To request a withdrawal or rollover your existing CD:

• Please contact [email protected] for assistance

You may only add funds to a Certificate of Deposit within the 10-day grace period at the time of maturity.

Hard copies of CDs are provided upon request. If you would like a hard copy of your Certificate of Deposit, please email [email protected] to request one.

By default, interest is compounded quarterly and will be added to the Certificate of Deposit at that time. After the CD is opened, you can request to have the interest sent to you via check or direct deposit.

Your 1099-INT will be mailed using the United States Postal Service.

No. For security and identification purposes, each accountholder must have separate email addresses.

• No, CDs opened in branch or online have the same rates!

• If you are an existing customer, your new account will populate onto your online banking on the following business date after the date of account opening.
• If you are a new customer, simply go here to enroll. Give us a call at 833-536-1712 if you need any assistance.

Please allow up to ten business days for the funds to be withdrawn from your external account and be deposited into your Certificate of Deposit.

• Go to open.fnba.com
• Click Login
• Enter your email address and obtain and enter the confirmation code that is sent to your email
  • Note:if you are an existing customer, but this is the first time opening a CD online, you may need to provide additional information before the code is sent.
• Click Browse First National Bank of America Products
• Select the CD Term you wish to open and Click Apply Now

We do not offer statements for CD accounts. Your 1099-INT will be mailed using the United States Postal Service. Additionally, you will receive a maturity notice in the mail approximately 30 days prior to the maturity date of your Certificate of Deposit.