Save Your Way When You Earn 4.00% APY* Today

FOR BALANCES $1,000 OR GREATER

You’ll be giving yourself a high five when you save your way with our High Yield Savings account. Take advantage of growing your savings nearly 10x the national average savings account rate¹ today with our quick and easy application process.

Earn 4.00% APY*
Complimentary Online and Mobile Banking conveniences
Complimentary Online and Paper Statements
Minimum Balance to Open: $1,000
Fraud Watch Protection powered by FNB Bank
Confidence in knowing your savings is FDIC insured

Start Saving Your Way In 3 Easy Steps.

Start Your Application

Click the “Get Started” link to begin

Enter Your Information

Securely provide your personal information

Fund Your Account

Simply transfer money from another bank to fund your new account

Get Started!

High Yield Savings FAQs

What is a High Yield Savings Account?

A High Yield Savings Account is a type of savings account that offers a higher interest rate compared to a traditional savings account. This means your money grows faster over time due to the increased annual percentage yield (APY).

Am I eligible to open a High Yield Savings Account?

Consumers aged 18 and over are eligible to open (not available for business, commercial or public fund deposits).

What is the minimum deposit required to open the High Yield Savings Account?

The minimum deposit to open the account is $1,000.

Will my interest rate change over time?

The interest rate on your High Yield savings account may change daily. You can see your current rate on your statement, by viewing your account on our mobile app, or use the contact form below.

How can I access the interest earned on my account?

Interest will be compounded and credited to your High Yield Savings account every month.

How do I fund my High Yield Savings account at opening?

Electronic Fund Transfer

During the online account opening process, you will have the option to fund your account electronically from an existing bank account via ACH. All you need is the routing number and account number of your current bank account. Funds are typically available in your account within 5 business days.

Wire

If you prefer to wire money to your account, you will need to provide the following information to the bank sending the transfer:

Bank Name: FNB Bank Inc.
Bank Address: 101 E Broadway Mayfield Ky 42066
FNB Bank ABA/Routing Number: 083901087
FNB Bank Account Number: this will be provided on the confirmation screen during the opening process.

FNB Bank will not charge an incoming wire fee, however, fees may apply with the sending financial institution.

How can I make deposits to my account?

Set up a transfer from another financial institution using FNB Bank’s Routing Number (083901087) and the Account Number of your High Yield Savings Account.
Send a domestic wire from another bank. This is a great option for large transfers (no incoming wire fee).
Set up a direct deposit.
Make a mobile check deposit. With the FNB Mobile Banking app, you can deposit a check by simply taking a picture (per check limit of $2,000).

How can I access the money in my account?

Funds can be easily accessed with free electronic banking transfers (ACH) through online banking.
Outgoing domestic wire transfers (no outgoing wire fee).

Eight withdrawals per month are included with this account (a $10.00 charge will apply to each additional withdrawal).

Safe, Secure and Backed by the FDIC

At FNB, your peace of mind and trust in us is a top priority. We’re a proud member of the Federal Deposit Insurance Corporation (FDIC). Rest assured that your deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

Learn More About FDIC Insurance

Have More Questions?

Fill out the form below and we’ll get right back to you.

Please Note: Your inquiry should not contain sensitive information (e.g., Social Security number, account numbers or other personal information), which may not be securely transmitted via Email.

*Annual Percentage Yields (APY) and balances information current as of 4/10/2025. Rates and balances are subject to change and may change after account opening, rates may vary daily. For balances under $1,000, a standard savings rate of .25% APY will apply. Interest paid is compounded and credited monthly. If closed before interest is credited, accrued interest will not be paid. Fees could reduce earnings on account. Minimum opening deposit of $1,000. Offer available to consumers at least 18 years of age (not available to businesses or public funds) and subject to change at any time. See disclosures for full terms and conditions.
¹Based on National Deposit Rates for Money Market Products as published by the FDIC on March 17, 2025.

ONLINE BANKING LOGIN

New to FNB Online Banking?

DOWNLOAD THE FNB BANK MOBILE APP TODAY!