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Personal Savings Accounts
|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|
|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|
|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+|
Ask about our complete line of CD, IRA, and children’s savings products.
* 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.