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Personal Savings Accounts

FNBC savings accounts make it simple to grow your money with ease. Members choose our accounts because we prioritize their financial goals and offer flexible solutions.

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Bank from anywhere

Our accounts are accessible online and at any FNBC branch or Community Banking Centre.

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We are in your community

Half of our locations are on reserve, and we speak Indigenous languages in some of our branches.

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We stand for more

We strive to improve financial literacy in our communities through education and services.

Achieve your savings goals with ease—our flexible accounts offer the perfect balance of growth and accessibility

Tailor your savings to fit your needs, whether it's for a big purchase or an emergency fund.

 

First Nation Account

Ideal for customers looking to maintain their account on reserve in addition to more competitive interest rates and don't require regular access to savings

Transactions Included
$5 each1 waived if maintain a $25,000 balance2
Additional Fees
Interac ATM withdrawal $2 each
Cirrus© ATM (US and Mexico) $3 each
Cirrus ATM (outside Canada, US, and Mexico) $5 each
Interac e-Transfers sent $1.50 each
Interac e-Transfers sent money request3 $1.50 each
Interac e-Transfers fulfill request for money Free
Minimum Balance to Waive Transaction Fees

$25,000

Paperless Free
Monthly Statements $2.00
Recordkeeping Fee Waived with Minimum Monthly Balance of $25,000
Interest calculated daily and paid monthly.
The Bank does not offer legal or tax advice.  Where appropriate, you should consult a professional, such as a lawyer or an accountant, for legal or tax advice.

First Nations Term Deposit also available.

1. Debit transactions are withdrawals, transfers, cheques, pre-authorized payments, bill payments, Interac® Debit purchases, the debit portion of Interac® and Cirrus© ATM withdrawals, and Interac® e-Transfers.
2. Minimum monthly balance must be maintained throughout the calendar month to qualify for fee waiver or rebate. Fees subject to change.
3. Applies if Interac e-Transfer money request is fulfilled

 

Every Day Account

Ideal for customers who want frequent access to their account and savings on fees.

Transactions Included
1 free debit transaction1 per month
Transfers2 are free
Additional transactions $2 each
Additional Fees
Interac ATM withdrawal $2 each
Cirrus© ATM (US and Mexico) $3 each
Cirrus ATM (outside Canada, US, and Mexico) $5 each
Interac e-Transfers sent $1.50 each
Interac e-Transfers sent money request3 $1.50 each
Interac e-Transfers fulfill request for money Free
Minimum Balance to Waive Transaction Fees

Not Applicable

Paperless Free
Monthly Statements $2.00
Recordkeeping Fee Waived with Minimum Monthly Balance of $10004
Convenience of Preauthorized Transfer Service

1. Debit transactions are withdrawals, transfers, cheques, pre-authorized payments, bill payments, Interac® Debit purchases, the debit portion of Interac® and Cirrus© ATM withdrawals, and Interac® e-Transfers.
2. Transfers to First Nations Bank personal Canadian Dollar chequing or savings accounts registered in the same customer name using the transfer function are free. Transfers between accounts done by way of cheque or Interac® e-Transfer will be treated as debit transactions. Valid through online banking and mobile banking. 
3. Applies if Interac e-Transfer money request is fulfilled.
4. Minimum monthly balance must be maintained throughout the calendar month to qualify for fee waiver or rebate. Fees subject to change.

 

High Interest Account

Ideal for customers looking for a more competitive interest rate and don't require regular access to savings.

Transactions Included
$5 each1 waived if maintain a $25,000 balance2
Additional Fees
Interac ATM withdrawal $2 each
Cirrus© ATM (US and Mexico) $3 each
Cirrus ATM (outside Canada, US, and Mexico) $5 each
Interac e-Transfers sent $1.50 each
Interac e-Transfers sent money request3 $1.50 each
Interac e-Transfers fulfill request for money Free
Minimum Balance to Waive Transaction Fees

$25,000

Paperless Free
Monthly Statements $2.00
Recordkeeping Fee Waived with Minimum Monthly Balance of $25,0002
Interest calculated daily and paid monthly

1. Debit transactions are withdrawals, transfers, cheques, pre-authorized payments, bill payments, Interac® Debit purchases, the debit portion of Interac® and Cirrus© ATM withdrawals, and Interac® e-Transfers.
2. Minimum monthly balance must be maintained throughout the calendar month to qualify for fee waiver or rebate. Fees subject to change.
3. Applies if Interac e-Transfer money request is fulfilled.

 

Youth Account

Perfect for those under 19, this daily interest account offers competitive rates, unlimited monthly transactions, and free record-keeping to help you get started.

Transactions Included
Includes 5 free Interac® e-Transfers
Additional Fees
Interac ATM withdrawal $2 each
Cirrus© ATM (US and Mexico) $3 each
Cirrus ATM (outside Canada, US, and Mexico) $5 each
Interac e-Transfers sent $1.50 each
Interac e-Transfers sent money request3 $1.50 each
Interac e-Transfers fulfill request for money Free
Minimum Balance to Waive Transaction Fees

Not Applicable

Paperless Free
Monthly Statements Free
Cheque Image Return $2.00 / month
Interest calculated daily and paid monthly

1. Cheque Image Return only available with statement recordkeeping option (not paperless).
2. Applies if Interac e-Transfer money request is fulfilled.

 

Tax Free Account

Accelerate your savings with this high-interest, tax-free account, designed to help you reach your financial goals faster

Transactions Included
No fee for Debit transactions
Additional Fees
Interac ATM withdrawal Not Applicable
Cirrus© ATM withdrawl Not Applicable
Interac e-Transfers Not Applicable
Minimum Balance to Waive Transaction Fees

Not Applicable

Paperless Free
Monthly Statements Free
Cheque Image Return Not Applicable
Term Deposits can be held within the plan
Convenience of Preauthorized Transfer Service

1. Eligible contribution limits is up to $7,000 annually (effective January 1, 2025).

Open a personal bank account today or reach out to our advisory team to find the right one for you.

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Stay in touch

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FNBC.Service@fnbc.ca

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1.888.454.3622

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Locate a branch/ATM