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Personal Savings Accounts

Earn a little here, save a little there, pretty soon you have a healthy rainy day fund! Choose from a variety of personal savings accounts and money market options to best fit your savings goals. Each account offers a unique minimum balance and interest rate.

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If you're interested in squirreling a little away for emergencies, check out this brief tutorial on how to plan.Building Emergency Savings

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Feature Smart Savings Statement Savings Elite Savings First Rate Money Market Health Savings Account (HSA)
Product Description Save automatically when you use your debit card Low balance, interest-bearing account Higher interest savings account Higher interest savings account with limited check writing access Available for participants with qualified high deductible health care plans
Minimum Opening Balance $50, requires a Bank Five Nine consumer checking account $50 $100, requires a Bank Five Nine consumer checking account $2500 $50
Minimum Daily Balance $50 $50 $100 $2500 No
Monthly Maintenance Fee $3/mo if account falls below daily minimum balance $1/mo and $0.25/debit if account falls below daily minimum balance $3/mo if account falls below daily minimum balance $5/mo and $0.25/debit if account falls below daily minimum balance No
Competitive Interest Yes Yes Yes Yes Yes
Check Writing Access No No No Limited* Yes
Withdrawal Limit (6) per calendar cycle* (6) per calendar cycle* (6) per calendar cycle* (6) per calendar cycle* Unlimited withdrawals for qualified expenses+
ATM Access/Debit Card Free at Bank Five Nine & over 600 Wisconsin ATM Access locations Free at Bank Five Nine & over 600 Wisconsin ATM Access locations Free at Bank Five Nine & over 600 Wisconsin ATM Access locations Free at Bank Five Nine & over 600 Wisconsin ATM Access locations Free at Bank Five Nine & over 600 Wisconsin ATM Access locations
Use for Overdraft Protection Yes Yes Yes Yes No
eStatements Available Available Available Available Available
Bank@Work Eligible Yes Yes Yes No Yes
Other Customer receives a $1 automatic transfer from checking to savings with every PIN or signature-based debit card transaction. Minimum 30-day introductory period bank match of $1 per debit card purchase; ongoing bank match of $0.10**       Limits on contributions. Distributions used for qualified medical expenses+

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* Federal regulations state that during any calendar month you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.

** Paid on 1-year anniversary date of account opening; not paid unless account is in good standing. Unposted bank match is automatically forfeited upon account closure. Total annual bank match maximum (introductory and ongoing) is $100.00.  The 30-day introductory period begins on the first day after account conversion or opening; however in certain cases, we may extend the matching program to allow for mailing and processing time of your debit cards up to a maximum of 60 days. Bank match may be reported to the primary account holder as income. Customer is responsible for all applicable taxes. See a banker for more information regarding terms and conditions.

~ See Wisconsin ATM Access brochure for participating ATMs or click here.

+ See IRS Publication 502 for explanation of qualified expenses.