*Annual Percentage Yield.  This is a tiered-rate account

This is a variable rate account.  Rates may change at any time without prior notice.  Activity fees could reduce the earnings on the account.

Requires FSNB checking account that receives a primary direct deposit.  Also, Smart Savers account must be funded by a minimum $25.00 Automatic Funds Transfer from the checking account.  If either condition is not met, Smart Savers will revert to a regular savings account.

One account per individual.

Three withdrawals per quarter at no charge.  Additional withdrawals $1.50 each.

Smart Savers Account