1st National Bank of South Florida

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Personal Banking - Savings

When it comes to your future, you’re looking for more than just having some money saved up. Chances are you’ll want more than one type of plan to save and invest in your future. Our savings plans offer competitive interest rates and ready access to your cash. Talk to one of our financial representatives to help you achieve financial peace of mind.

Designed For Convenience...

	Deposits and withdrawals can be made by mail -- no need to visit the bank.
	Transactions only require our standard deposit and withdrawal slips -- no need to bring a passbook.
	Savings transactions can be handled at the drive-in tellers -- you can make deposits and withdrawals after the lobby closes.
	Direct deposit to your savings account is available -- no more lost checks.
	Quarterly statements summarize all account activity

NEW - Health Savings Account

Health Savings Accounts are now available at 1st National Bank of South Florida

It's Your Health and Your Money, so take control and start saving now with a Health Savings Account. 1st National Bank's Health Savings Account (HSA) is an excellent way to save for future medical expenses.

Consider these facts:
Insurance premiums continue to rise
More employers are reducing or eliminating health insurance

Start saving now:
Earn interest on your money
Funds contributed to an HSA belong to the account holder and may be tax deductible*

Receive a Free Visa Debit Card and Free HSA checks with your account.

To find out more about the benefits of having a Health Savings Account, call 305.247.5541 to speak to any 1st National Bank customer service representative.

*Consult your tax and legal professional to determine eligibility, contribution amounts and distribution qualifications.

Personal Savings

This is the basic savings tool available to our customers. It requires only a moderate opening balance, pays a competitive interest rate and still gives you ready access to your cash.

Young Savers

And for the very young savers, our Young Savers Account is a perfect tool designed especially for children seventeen years of age and younger. This account reduces the minimum balance restrictions on your savings accounts in order to encourage building the savings habit early in life.

Tiered Money Market Savings

This is the ideal account for individuals with larger amounts of funds to invest. It offers a rate of interest higher than our Personal Savings Account and provides a limited check writing option for more convenient access to money. With our Tiered Money Market Account, the higher your daily balance, the more you earn.

TIERS	APY*
Less than $2,500	0.28
$2,500.00 - $9,999.00	0.33
$10,000.00 - $24,999.00	0.48
$25,000.00 - $49,999.00	0.73
$50,000.00 - $99,999.00	1.32
$100,000.00 - $499,999.00	2.21
$500,000.00 or more	2.21

Like the Personal Savings Account, you may withdraw money as often as you wish at any of our branches or ATMs. However, federal regulations permit only six automatic, preauthorized, telephone or computer transfers per month - and only three of those may be checks. Maintain a balance of $2500.00 or greater, each month and the $20.00 monthly maintenance fee is waived.

CDs

If you have funds you don't need in the immediate future, a Certificate of Deposit may be the ideal way for you to save. A Certificate of Deposit provides a higher interest rate than our two savings accounts, but requires you deposit your money for a fixed time period. That period may vary from a few days to several years.

Click here to go to our CDs page for more information...

* APY (Annual Percentage Yield) is accurate as of 5/16/2008 and subject to change without notice. Fees incurred could reduce earnings on this account.