Four Seasons Savings

Four Seasons Savings

You don't have to be a boy scout to know it pays to be prepared. In this case, that's literally true! This specialized account can help you save for a specific purpose or goal. Set aside funds for the holidays, a vacation, back-to-school shopping, or anything else.

Simply open this account and make regular deposits all year, manually, through payroll deduction, or direct deposit. You'll earn interest on your balance, and when your pre-arranged time frame expires, we'll send you the balance. It's that easy!

  • Save year-round for a specific goal
  • Interest bearing account
  • Annualized interest paid at maturity*
  • Annual disbursement made to an active FNBT deposit account on:
  • Winter: January 15
  • Spring: April 15
  • Summer: July 15
  • Holiday/Fall: October 15
  • No monthly fee or minimum balance
  • Unlimited deposits
  • Free online banking
  • Free mobile banking
  • Free E-Statements
  • 24-hour Telebank access
  • $20 minimum balance to open account

*If account is closed early, interest will not be credited and an early withdrawal penalty may be assessed.


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.