Personal Overview

Enjoy the advantages of an FNM personal account:

  • ATM/Debit cards with free access to your accounts at 1.9 million ATM and retail locations*
  • Online banking
  • Mobile banking
  • Online bill pay for greater efficiency
  • Outstanding interest bearing account options

We offer various personal accounts and solutions from which to choose:

PERSONAL CHECKING ACCOUNT
If you have limited checking needs, enjoy the simplicity of our EH account.

NOW CHECKING ACCOUNT
Maintain higher checking balances and earn interest on your money.**

SAVINGS ACCOUNT
Earn interest and get easy, anytime access to cash while your money grows.

MONEY MARKET ACCOUNT
Let your money work harder for you and benefit from our great rates to help you get to your dreams faster.***

CERTIFICATES OF DEPOSIT
Earn even more with some of the most competitive rates in the business on 3, 6, 12, 24, or 36-month CDs. Invest for retirement in either a traditional or Roth IRA in 12, 36 or 60-month CDs.

INDIVIDUAL RETIREMENT ACCOUNTS
Invest your money for the future in either a traditional or Roth IRA in 12, 24 or 60 month Certificates of Deposit.

ONLINE BANKING
Access information securely through our online environment. With our EH Online Banking you can:

  • Access account history
  • See copies of items
  • Pay bills
  • Get electronic statements
  • Make transfers to your accounts at EH or at other banks
  • Open a new account

MOBILE BANKING
With our mobile banking you can access account history, make transfers, pay bills and more all securely and conveniently from your smart phone. Search for 'FNM' in the Apple and Android app stores to download our app.

  • Personal Checking
     
    EH PERSONAL CHECKING
    NOW PERSONAL CHECKING
    Best For:
    		 Clients who want a basic checking account for day to day activity Clients who want a checking account with interest and are able to maintain a higher balance
    Minimum Opening Deposit
    		 None None
    Earns Interest
    		 No Yes
    Monthly Service Fees
    		 First 150 checks or other debits per month no charge each check, over 150 is $.30 per item.
    First 100 deposited items deposited per month no charge, each item deposited over 100 is $.10    		 First 150 checks or other debits per month no charge each check, over 150 is $.30 per item. First 100 deposited items deposited per month no charge, each item deposited over 100 is $.10
    Account Features
    • Online banking
    • Image statements
    • EH Bill Pay
    • EN National Bank VISA® Debit Card
    • Access to ATM Network with no ATM fees nationwide
    Open an Account today
  • Personal Savings
     
    PREMIUM PERSONAL MONEY MARKET
    PERSONAL SAVINGS
    PERSONAL CERTIFICATE OF DEPOSITS
    INDIVIDUAL RETIREMENT ACCOUNTS
    Best For:
    		 Clients who want to earn higher interest rates on higher balances and can limit transactions Clients who wish to consistently save money for unexpected expenses or special purchases Clients who wish to earn higher interest on funds that are deposited for fixed 3, 6, 12 or 24 month terms Clients who wish to invest in either a traditional or Roth retirement plan can deposit for fixed 12, 36 or 60 month terms
    Minimum Opening Deposit
    		 None None $10,000 $500
    Monthly Service Fees
    		 None None None None
    Earns Interest
    		 Yes Yes Yes Yes
    How Interest is Paid
    		 Compounds daily, posted at end of month Compounds daily, posted at end of month Compounds daily and credits at maturity unless an interest disbursement instruction has been selected Compounds daily and credits at least annually and at maturity
    Access to Funds
    		 May have up to six (6) debits a month including checks per 4 week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Funds available after fixed 3, 6, 12 or 24 month term has expired. Early withdrawal penalty may apply. Funds available after fixed 12, 36 or 60 month term has expired. Withdrawals are permitted as allowed by law. Early withdrawal penalty may apply.
    Account Features
    		 Free EH Online Banking Service with EH Bill Pay   Free EH Online Banking Service N/A
    Open an Account today Call Branch to Open an Account

*You can withdraw cash at most ATMs, any merchant that accepts the ATM/Debit Card for payment, or at our full-service branch office. You must have an FNM ATM/Debit Card to use an ATM. Each qualifying account receives a $25.00 monthly allowance towards ATM surcharges at other financial institutions. Any unused portion of that allowance will not be carried over to the following month and is not transferable.
** when minimum balances are met
*** withdrawals and transfers limited to six per month