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 account options to best fit your savings goals. Each account offers a unique minimum balance and interest rate.

Our Most Popular Savings Account Options

Smart Savings

Save automatically when you use your debit card
  • Earn interest
  • $50 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • 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**

Statement Savings

Low balance, interest-bearing account
  • Earn interest
  • $50 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations

Elite Savings

Higher interest savings account
  • Earn interest
  • $100 minimum balance
  • Free ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
  • Requires a Bank Five Nine consumer checking account

Current Rates?

Get the latest rates for all consumer deposit accounts.

CDs & IRAs

Kids Accounts

Bank@work

Debit Cards

Compare Savings Accounts

FeatureSmart SavingsStatement SavingsElite SavingsHealth Savings Account (HSA)+
Product DescriptionSave automatically when you use your debit cardLow balance, interest-bearing accountHigher interest savings accountAvailable 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$50
Minimum Daily Balance$50$50$100No
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 balanceNo
Competitive InterestYesYesYesYes
Check Writing AccessNoNoNoYes
ATM Access/Debit CardFree ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree ATM access at Bank Five Nine & over 600 Wisconsin ATM Access locations
Use for Overdraft ProtectionYesYesYesNo
eStatementsAvailableAvailableAvailableAvailable
Bank@Work EligibleYesYesYesYes
OtherCustomer 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+

** 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.

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