Checking Options

All of our checking accounts come with…

• Free box of checks
• Ledger

And all accounts can be enhanced with…

• Direct Deposit
• Automatic Loan Payments
• Automatic Transfers
• Overdraft Protection (requires separate credit application)
• Debit Card
• Free Online Banking
  • Bill Pay
  • Person to Person Payments
  • Account to Account Transfer (accounts at FNB and accounts to other Financial Institutions)
• Mobile Banking App (Coming in March)
  • Remote Deposit
  • Picture Pay (set up bill pay w/ a picture of bill)
  • Activate/Deactivate Debit Card
  • Plus all the features of online banking

Savings Options

Passbook Savings

• $50 minimum balance
• $5 monthly maintenance fee if account balance falls below minimum any day of the month
• $5 fee for each withdrawal over 6 per month
• Interest compounded and paid quarterly
• The minimum balance requirement and monthly maintenance fee do not apply to customers less than 19 years of age or 55 and over.

Holiday Savings

• Deposit limit of $100 per week apply: fixed interest rate
• Receive a check in November for your holiday shopping!
• Interest paid at maturity
• Early withdrawal penalties apply

Money Market

• Insured and Investors Money Market Accounts
• High Money Market return with liquidity
• Fully guaranteed

Youth Savings

• For kids up to age 12
• Teaches good savings habits
• Pays a higher rate
• $25 dormant fee
• $5 fee for each withdrawal over 6 per month

Freedom Club for 50 Plus

With our Freedom Club, you enjoy a free holiday dinner with other Freedom Club members. You also get a birthday gift and discounts on insurance through Auto Owners Insurance. Just keep $10,000 in deposits at FNB Osakis, and you enjoy the benefits of membership. Ask for details! It’s time to enjoy the best!

Certificates of Deposits

We offer Certificates of Deposits for the terms listed in our Rates (link to rates) tables.

Health Savings Accounts

Keep your Health Savings Account in a convenient place! We offer Health Savings Accounts for customers with a compatible high deductible health plan, handle the IRS reporting, and give you the perks of seeing that account with your online/mobile banking. The account comes with free checks and a debit card, giving you the utmost control of your hard-earned dollars.

Individual Retirement Accounts

Keep your nest egg in an FDIC insured account where you can access it easily, safely, and have a hassle-free handling for your contributions and distributions. Check our rates on our IRA products here.