When is the right time to open a savings account for your children?
Before you have kids, planning for them is easy. You have wild dreams about how you will open their college account, teach them how to save their money by the age of 2, and imagine that they will be financially independent by the time they’re 15. Of course, after you have your first kid, that all changes when you buy that first box of diapers and discover they are more expensive than you could have ever imagined. You have to plan and budget more than you realize, and you’re left wondering, “When should I open a savings account for my kid?” The answer depends on what the end goal of the account is.
College Savings
When saving for college, you want the most amount of time possible. Compounding interest is on your side, so if you can open the college savings account (most often a 529 College Savings Plan is used) as soon the baby is born, that would be ideal. Of course, it would also be ideal if you could dump $20,000 into this account right away and not worry about it for the next 18 years, but that most likely won’t happen. The bottom line is that a college savings account should be opened as soon as possible, and systematic deposits made into the account.

Emergency and Opportunity Savings
There are two kinds of savings involved here, but both involve storing up cash. An  Eagle Kids Savings Club  account would be a great emergency fund savings, whereas opportunity money (for children, at least) is often held in a piggy bank.

The best time to open these accounts will vary greatly depending on the developmental levels of the child. But a good rule of thumb is when the child can understand the value of money; they can understand the idea that storing up that money will allow them to make larger purchases. By the time they are in first grade, most children will have a good grasp of these concepts.
Refreshed Kids Savings Account
Help your kids learn how to save with an Eagle Kids Savings account from FNB. Thanks to the interest, you can have fun together as you track the growing funds. It just takes $5 to get started. Elle & Elliott the Eagles invite you to start saving today, so you can continue to soar through life.

Open an account today to receive your very own miniature Elle or Elliot the Eagle. Download our kid-friendly savings goal worksheet to start your child's journey of saving for an item they really want.
March uChoose Rewards Offers
It’s bracket season. Pick #uChooseRewards for your shopping needs and lock in a win. 

  • CVS Pharmacy
  • 5 points per $1
  • The Home Depot
  • 5 points per $1
  • Kohl's
  • 5 points per $1
  • Buffalo Wild Wings
  • 5 points per $1
  • Old Navy
  • 5 points per $1
  • AMC Movie Theatres
  • 5 points per $1
  • Burlington
  • 5 points per $1
  • Petco
  • 5 points per $
What could you buy with your home's equity?
Sometimes it does boil down to simple math — if your home’s market value exceeds your outstanding balance, you’ve built up equity. If so, FNB can help you turn your home's equity into affordable financing — whether you use it for debt relief, home improvements, or education. Whatever your need, our 747 home equity loan offers a competitive rate and terms suited to your needs.

The "747 Special" includes the following details:
  • 7 year amortization
  • 4.70% APR* Fixed Rate
  • No fees or closing costs
  • Loan amounts from $10,000 to $75,000
  • Up to 80% financing


*APR (Annual Percentage Rate) for approved borrowers with approved credit.
Zelle ® is coming soon!
Zelle is a convenient way to send money using your mobile banking app or online banking account. Scheduled to arrive in your FNB Community Bank mobile banking app in by June 2019.
Happy with your FNB Community Bank experience?
Thank you for banking local and allowing us to serve you. We are honored to be your financial institution! One of our favorite things is reading kind words from our valued customers, like you.

Despite all of these wonderful comments, we are low on Yelp reviews. We are asking for your help to please visit our Yelp page and leave a review for us. New customers often find us online, and many people base their choice to call us on positive reviews.

Please click the link below to be directed to our Facebook review page to leave a brief, helpful review: https://www.yelp.com/biz/fnb-community-bank-midwest-city

We thank you very much for your help in growing our exposure and business!

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Reply to this email with your concerns and we will reach out to you.
Finance your new ride with a no-hassle auto loan, and show up at the dealership pre-qualified for real bargaining power. We promise competitive rates and affordable monthly payments, with quick decisions to get you rolling in no time. Our super low rate may not be lasting for much longer, so act NOW!

Auto Loans start at 2.99% APR*

*Annual Percentage Rate (APR) for qualified borrowers with approved credit and auto debit from a FNB Community Bank account, on new loans or refinance of non-FNB Community bank loans. Model year limits may apply. Member FDIC.
Business Loans
We proudly tailor our business loans to the unique needs of your business, whatever they may be — whether you’re just starting out or set for record growth.

T ypes of Business Loans:  http://bit.ly/FNBbizloans

You’ll deal with one point of contact throughout the process, and we have the capital to handle almost any size request.

Apply today, and let’s grow your business together.
NOW AVAILABLE: Kasasa Protect
We are excited to introduce FNB Community Bank’s newest product,  Kasasa Protect!

There's a battle underway for your identity, and criminals don't fight fair. Make sure you're ready. This one-stop defensive strategy helps protect you against identity theft, credit card fraud, data breaches, and other deceptive attacks. Kasasa Protect operates around the clock monitoring your sensitive information, providing reports, and intervening as needed. By adding Kasasa Protect , you can rest easier because we're monitoring your information 24/7.

Included Benefits of Kasasa Protect:
  • Credit Reporting
  • Monthly Credit Score & Plotter
  • 24/7 Credit Monitoring
  • Dark Web Monitoring
  • Full-Service Identity Restoration
  • Lost Wallet Protection
  • Email Alerts / Credit Alerts
  • 24/7 Dedicated Kasasa Protect Support Team

You can receive ALL of this protection for only $8/month!
Optional Add On Service : FNB Community Bank offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to any of your FNB Community Bank accounts. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee ($8/month) and (c) can be cancelled at any time.
How will you be sham-rocking St. Patrick’s day?

Are you:
A. Feeling lucky as a leprechaun ready to celebrate St. Patrick's weekend with shenanigans & corned-beef
B. Ready to wear (and drink) all things green
C. Eager to hide out at home and not get pinched

Have a Happy St. Patrick’s Day!
Let's Get Social!