FSNB Review: Top-of-the-Line Savings Account APYs
Written by
Sarah Sharkey
Edited by
Elizabeth Constantineau
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Earn a Healthy Annual Percentage Yield with a Cents-able Savings Account
FSNB’s Cents-able Savings Account offers a lofty APY, which can help you grow your savings quickly. But savers looking to lock in growth with a CD will likely be disappointed in the rates available through FSNB.
FSNB, formerly known as Fort Sill National Bank, offers a range of deposit accounts. But the Cents-able Savings account stands apart from the other options with a APY. Plus, you can round up your debit card purchases to build your savings with spare change.
GOBankingRates has ranked it among the Best Banks of 2025 for Tennessee customers.
Best For Section:
FSNB’s Cents-able Savings Account offers a APY, which can help you grow your savings quickly. But savers looking to lock in growth with a CD will likely be disappointed in the rates available through FSNB.
Earn 7% Annual Percentage Yield with a Cents-able Savings Account.
FSNB Checking Account
FSNB offers two different checking accounts, an E-Standard and an E-Advanced option.
Here’s what to know about each:
- Both require a low minimum deposit of $5.
- Neither requires a credit check to open.
- The E-Standard account costs $7.95 per month. The E-Advanced account costs $9.95 per month.
- With the E-Advanced account, you can receive your direct deposit a day early.
- Each account allows you to round up your purchases to the next dollar and send the difference to your savings account.
Best For
Banking in Tennessee
Mobile App
Investment Services
Low Monthly Fees
Low Minimum Deposits
Simple, Low-Cost Checking Account Options
FSNB offers simple, low-cost checking options with perks like early direct deposit access, rounding up balances for savings, and minimal fees.
Fees
E-Standard account costs $7.95 monthly, E-Advanced account costs $9.95 monthly
APY
Min Opening
$5
Pros
- Low minimum opening deposit
- Round-up purchases to build savings
Cons
- Monthly fees that can’t be waived
- Highly-rated mobile app
Quick Take
The checking accounts offered by FSNB offer fairly standard features. Although the low minimum deposit requirement of $5 is appealing, the ongoing monthly fees aren’t. Neither of these accounts allows you to earn interest on your funds. But the ability to round up your purchases to build savings is a nice perk.
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FSNB Savings Accounts
FSNB offers two savings accounts. Here’s what stands out about them:
- The Cents-able Savings account offers an APY, which is a stellar opportunity to grow your funds.
- The Standard Savings account requires a minimum deposit requirement of $5. But you’ll need a balance of at least $25 to earn interest.
- Both come with a Visa debit card.
- You’ll earn interest through the Standard Savings option, between to APY based on your balance.
- Both accounts involve a $6.50 quarterly fee.
Best For
Banking in Tennessee
Mobile App
Investment Services
Low Monthly Fees
Low Minimum Deposits
Higher-Than-Average APY for Customers
Customers looking for a low minimal opening deposit, an ultra-high APY, and minimal maintenance fees will enjoy this FSNB savings option.
Fees
$6.50 minimum balance fee if the daily balance falls below $100, $15 inactivity fee if an account remains inactive for three months, $1.50 withdrawal fee if the balance falls below $500, $2 paper statement fee unless signed up for e-statements, $6.50 Cent-able Savings service fee if you don’t make at least 30 transactions using the FSNB Debit Card during the quarterly cycle
APY
Min Opening
$5
Pros
- Earn interest on your savings
- The quarterly fee can be waived
Cons
- Standard Savings account APY is lackluster
- Paper statement fee of $2
Quick Take
The Cents-able Savings account steals the spotlight with an outstanding opportunity to earn APY on your savings. If you are looking to supercharge your savings, tucking your funds into this account can help you grow your funds fast.
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FSNB CD Accounts
FSNB offers CDs ranging from 30 days to 60 months. Explore the key highlights below:
- You can open a CD with $500.
- The terms available include 30-day, 91-day, 182-day, 12-month, 30-month, and 60-month.
- The top rate is APY on a 60-month CD.
- The lowest rate is APY on a 30-day CD.
Best For
Banking in Tennessee
Mobile App
Investment Services
Low Monthly Fees
Low Minimum Deposits
Simple, No-Fuss CD Options for Investors
Offering solid APY CDs ranging from 30 days to 60 months in length, FSNB provides a simple option for risk-averse investors.
Fees
N
APY
to
Min Opening
$5 to open account, $25 to earn APY
Pros
- Multiple CD terms to build a CD ladder
- Interest begins to accrue on the business day of your deposit
Cons
- Early withdrawal penalty equal to 91 or 182 days’ worth of interest
- Interest compounds annually
Quick Take
FSNB’s range of CDs generally offers lackluster APYs. Although you can build a CD ladder with the many terms available, you may miss out on higher APYs available elsewhere.
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Banking Experience
The financial institution earned the honor of being the U.S. Air Force Bank of the Year in 2022.
FSNB offers many branches across the country. For those who prefer an in-person banking experience, the network of branches offers an opportunity.
For those who prefer a digital banking experience, FSNB offers highly-rated mobile apps for Android and iOS users. The app earned 4.2 out of 5 stars in the Google Play Store and 3.7 out of 5 stars in the Apple App Store.
“Easy to use and always up to date saves time to go to the atm or bank to check balance and shows automatically when a transaction or auto pay has been made. Love it,” said one user.
Another review wrote, “Always very helpful with anything you need. Easy to use app and I would recommend to all needing fast friendly service.”
However, some users have some complaints about the mobile experience.
“Too many times different things don’t work. From loading accounts to accurate balances/transactions. The mobile deposit has never worked for me. Only keep the account because of cash deposits, which a lot of times seem to take longer than they should. In comparison with my other banking apps this one is definitely on the bottom, said one iOS reviewer.
“Previously, the app was perfect!!! Since the recent updates, the app has been harder to access. Slower to open, receive “server errors” ALOT!!! Makes me a bit uneasy to use it now,” wrote an Android review.
How Does FSNB Compare?
Let’s take a look at how FSNB stacks up.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
E-Standard account costs $7.95 monthly, E-Advanced account costs $9.95 monthly
No monthly service fee
$0
APY
APY
APY
Up to
Min Opening
Min Opening
Min Opening
$5
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$6.50 minimum balance fee if the daily balance falls below $100, $15 inactivity fee if an account remains inactive for three months, $1.50 withdrawal fee if the balance falls below $500, $2 paper statement fee unless signed up for e-statements, $6.50 Cent-able Savings service fee if you don’t make at least 30 transactions using the FSNB Debit Card during the quarterly cycle
No monthly service fee
No monthly service fee
APY
APY
APY
Up to
Min Opening
Min Opening
Min Opening
$5
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
N
No monthly service fee
No monthly service fee
APY
APY
APY
to
to
Up to
Min Opening
Min Opening
Min Opening
$5 to open account, $25 to earn APY
$0
$0
FSNB vs. Capital One
If you are a saver who doesn’t mind handling your banking tasks online, Capital One is worth a look. It offers a selection of deposit products with top-tier interest rates to put your funds to work.
However, none of the Capital One accounts offer even close to a APY. If you can lock that down with FSNB, then you might get more value out of working with FSNB.
FSNB vs. Marcus by Goldman Sachs
Marcus by Goldman Sachs offers a solid lineup of CDs with market-topping rates. For savers looking to build out a CD ladder or even just a CD or two, you’ll likely find higher rates through Marcus by Goldman Sachs.
Again, the Cents-able Savings account’s APY offered through FSNB is a higher rate than you are likely to find anywhere else, including Marcus by Goldman Sachs. But for CD rates specifically, Marcus by Goldman Sachs may have FSNB beat.
FSNB vs. Navy Federal
For military members seeking a new financial institution, Navy Federal Credit Union may come up in the same breath as FSNB. Like FSNB, NFCU offers a network of physical branches, many of which are situated near military bases.
Navy Federal’s EasyStart CDs offer higher APYs than FSNB’s CDs. However, the APY through FSNB’s Cents-able account is still more attractive than the savings accounts available through Navy Federal.
Final Take
Savers who can take advantage of the APY offered through the Cents-able Savings Account might find everything they are looking for in FSNB. After all, the stellar rate can help you grow your funds. The catch is that the other deposit accounts are relatively basic without any other standout APYs.
FSNB FAQ
Thinking of banking with FSNB? Our FAQ answers common questions about their checking and savings accounts, loans, online banking, customer service, and more. Find the information you need to make an informed decision about choosing FSNB as your bank.- Does Zelle work with Fort Sill National Bank?
- No, FSNB doesn't currently support Zelle.
- What is the minimum deposit for FSNB?
- You can open an FSNB checking account with just $5.
- Does FSNB do credit checks?
- No, FSNB doesn't run credit checks when opening new accounts.
- How much is the overdraft fee for FSNB?
- If you overdraft, you'll pay a $20 overdraft fee.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 18, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 18, 2024.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
