Personal Savings Test

Personal Savings Accounts 
Certificates of Deposit  
IRAs
Health Savings Accounts 
Money Market and N.O.W.

Let The Savings Bank help you meet your savings goals with our basic Savings Account. Like all our savings accounts, you'll enjoy free access to online banking and our free INFO-line, 24-hour telephone banking service.

For: Individuals/Businesses

  • Minimum Opening Balance:  $100  (No minimum for students under the age of 19) 
  • Interest Bearing *
  • Statements Quarterly / Monthly
  • eStatements
  • No monthly minimum balance requirement
  • Withdrawals:  Limit of 6 per statement cycle (Overdraft charges apply to this account)
  • $3.00 fee for each withdrawal over six per statement
  • ATM Card access
  • Direct Deposit
  • Online banking (no fee)        
  • 24-Hour telephone banking

Savings Accounts Rack Card (PDF file)

 Personal Savings
Which savings solution is right for you?A smart, simple account to meet your savings goals
Account Types  
Minimum Opening Deposit $100
(no miminum for
customers under age 19)
Minimum Balance None
Interest Interest bearing:
See current rates and terms*
Statement Cycle Quarterly / Monthly
eStatements
O
Number of Transactions per Month Included 6
Online Bill Pay (no fee)
O
Direct Deposit
O
Fees $3 each withdrawal over 6 per statement cycle
ATM Card
O
VISA Debit Card  
For Individuals
O
For Businesses  
For Public Funds  
For Non-profits  
For Sole Proprietorships  
 CDs
Which savings solution is right for you?With higher interest rates than basic savings accounts and the added benefit of self-discipline
Account Types  
Minimum Opening Deposit $1000
Minimum Balance See current rates and terms*
Interest Interest bearing:
See current rates and terms*
Statement Cycle ?
eStatements
O
Number of Transactions per Month Included Penalty for early withdrawal:
See current rates and terms*
Online Bill Pay (no fee) ?
Direct Deposit ?
Fees See current rates and terms*
ATM Card  
VISA Debit Card  
For Individuals
O
For Businesses
O
For Public Funds
O
For Non-profits  
For Sole Proprietorships  
 IRAs
Which savings solution is right for you?Individual Retirement Accounts available in both Traditional and Roth form
Account Types
  • Traditional IRAs
  • Roth IRAs
Minimum Opening Deposit $5
Minimum Balance $5
Interest 18-month variable
or 30-month fixed rate terms:
See current rates and terms*
Statement Cycle Annually
eStatements
O
Number of Transactions per Month Included Penalty for early withdrawal:
See current rates and terms*
Online Bill Pay (no fee) ?
Direct Deposit ?
Fees No annual fee:
See current rates and terms*
ATM Card  
VISA Debit Card  
For Individuals
O
For Businesses  
For Public Funds  
For Non-profits  
For Sole Proprietorships  
 Money Market Accounts
Which savings solution is right for you?With higher interest rates than basic savings accounts or CDs
Account Types
  • Money Market
  • SmartMarket Money Market
Minimum Opening Deposit $2500
Minimum Balance See current rates and terms*
Interest Tiered:
See current rates and terms*
Statement Cycle Monthly
eStatements
O
Number of Transactions per Month Included See current rates and terms*
Online Bill Pay (no fee)
O
Direct Deposit
O
Fees None if minimum balance and debit requirements are met, $5 if not:
See current rates and terms*
ATM Card  
VISA Debit Card  
For Individuals
O
For Businesses
O
For Public Funds  
For Non-profits  
For Sole Proprietorships  
 N.O.W. Accounts
Which savings solution is right for you?Your balance earns interest and you have access to your money with checks
Account Types
  • N.O.W.
  • Super N.O.W.
Minimum Opening Deposit See current rates and terms*
Minimum Balance See current rates and terms*
Interest Interest bearing:
See current rates and terms*
Statement Cycle Monthly
eStatements
O
Number of Transactions per Month Included Unlimited
Online Bill Pay (no fee)
O
Direct Deposit
O
Fees $1 monthly; unlimited transactions; $5 if minimum balance requirements are not met: See current rates and terms*
ATM Card  
VISA Debit Card
O
For Individuals
O
For Businesses  
For Public Funds
O
For Non-profits
O
For Sole Proprietorships
O
 Health Savings Accounts
Which savings solution is right for you?Your balance earns tax exempt interest as you save for qualified medical expenses and annual deductibles
Account Types  
Minimum Opening Deposit $5
Minimum Balance See current rates and terms*
Interest Interest bearing:
See current rates and terms*
Statement Cycle Monthly
eStatements
O
Number of Transactions per Month Included Unlimited
Online Bill Pay (no fee)
O
Direct Deposit ?
Fees See current rates and terms*
ATM Card  
VISA Debit Card
O
For Individuals
O
For Businesses
O
For Public Funds  
For Non-profits  
For Sole Proprietorships  

* Contact our customer service representatives for current disclosures, terms and rates at 1-800-582-2265, or by visiting one of our convenient locations.

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