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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.

Check Current Deposit Rates

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

Building Emergency Savings

FeatureSmart SavingsStatement SavingsElite SavingsFirst Rate Money MarketHealth Savings Account (HSA)+
Product DescriptionSave automatically when you use your debit cardLow balance, interest-bearing accountHigher interest savings 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$2500$50
Minimum Daily Balance$50$50$100$2500No
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 balanceNo
Competitive InterestYesYesYesYesYes
Check Writing AccessNoNoNoYesYes
ATM Access/Debit CardFree at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree at Bank Five Nine & over 600 Wisconsin ATM Access locationsFree at Bank Five Nine & over 600 Wisconsin ATM Access locations
Use for Overdraft ProtectionYesYesYesYesNo
eStatementsAvailableAvailableAvailableAvailableAvailable
Bank@Work EligibleYesYesYesNoYes
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+

Ask about our complete line of CD, IRA, and children’s savings products.

** 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.