Savings Accounts

No matter what your savings goals are, we offer a personal savings account that can help you achieve them.

 Personal SavingsMinor Savings1
Minimum Opening Deposit $100.00 $25.00
Monthly Maintenance Fee Quarterly Maintenance Fee $6.00 None
Requirement to Waive Monthly Maintenance Fee Minimum daily balance of $500.00 No Maintenance Fee
Interest Yes2 Yes2
Transaction Limitations 3 free withdrawals per month3,$1.00 for each additional withdrawal 3 free withdrawals per month3,$1.00 for each additional withdrawal
Direct Deposit Available Available
Check Imaging None None
ATM/POS Transactions First five(5) free None
Check Order Discount None None
e-Statements Free Free
Online Banking Free Free
Bill Pay/PopMoney None None
Mobile Banking Free Free
Overdraft Protection None None
Debit ATM Card Free4 None
Other Services Free combined Statements N/A 

1. Primary account holder must be under 18 years of age, with an adult as a joint account holder. 2. Refer to the First National Bank of Southern California deposit rate sheet for current rates, compounding and crediting, and other balance information. 3. Federal regulations require banks to limit the way withdrawals may be made from a savings or money market account. Preauthorized withdrawals (transfers by telephone, wire or PC, overdraft protection, or automatic payments) and transfers or withdrawals by check or similar order payable to third parties are limited to a combined total of six per month. If withdrawal limitations are exceeded three times in 12 months, the account will be closed or converted to a non interest bearing account.  4. ATM card only available with a checking account in the same name.

Personal Savings 

Product Description

The Personal Savings is a basic savings account that earns interest and is limited to six transactions per month.  The minimum opening deposit is $100.  This account requires a minimum daily balance of $500 to waive the quarterly maintenance charge of $6.00.


  • Low minimum balance
  • Interest earned on balances
  • Six transactions per month

Minor Savings

Product Description

Minors 17 and younger may open a Minor Savings Account with an adult signer.  The account does not have a monthly service charge or minimum balance requirement.  In order to open this account an opening deposit of $25.00 is needed.


  • No minimum balance
  • Interest earned on balances