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IRA/HSA

IRAs and HSAs OFFER TAX ADVANTAGES


Enjoy tax benefits of opening a Farmers National Bank Traditional, Roth, SEP, SIMPLE, or CESA Individual Retirement Account and/or a Health Savings Account. FNB wants to help YOU make the right choices without any administrative fees.


Consult your tax advisor to determine eligibility.

IRA - Individual Retirement Accounts

FNB can help YOU with your ROLLOVER or TRANSFER of your existing retirement accounts.  We offer the following IRA’s without any administrative fees.
  • Traditional IRA
  • Roth IRA
  • Simplified Employee Pension (SEP) Plans
  • SIMPLE Retirement Savings for Small Business
  • Coverdell Education Savings Account (CESA) IRA
  • Flex Plan IRA – allows you to open an IRA account without a large initial deposit and helps you grow your retirement savings with regular transfers from your checking account at FNB.
RETIREMENT...you can’t start too early and it’s never too late...let's set up your FNB Retirement Account today.

HSA - Health Savings Accounts

An interest bearing checking account designed exclusively for covering medical expenses on a qualified high deductible plan.

Health Savings Accounts benefits:
  • Tax-deductible contributions
  • Tax-free distributions for qualified medical expenses
  • Tax-deferred earnings
  • Balance carries over from year to year
  • Remains with you, regardless of change in coverage or employment
  • Savings investment for retirement

Please consult your tax advisor or insurance provider for plan eligibility and tax advice.


Other benefits include:
  • No minimum deposit and/or balance requirements
  • No maintenance fees
  • Unlimited check writing
  • FREE Checks
  • Monthly statement of activity
  • Imaged checks printed in check number order returned in monthly statement
  • Interest compounded and credited monthly
  • FREE Debit Card access
  • FREE Online Banking access