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The Wise Choice.

Personal Checking Accounts

Simply Free Ultimate Wise55 Savi
Your Needs

Low balance and $0 monthly service charge

High balances and earns interest

Senior checking with perks

Earns competitive interest 

Annual Percentage Yield (APY) N/A
$0 to $9,999.99 0.05%
$10,000.00 to $24,999.99 0.10%
$25,000.00 to $49,999.99 0.20%
$50,000.00 to $99,999.99 0.30%
$100,000.00 to $249,999.99 0.40%
$250,000.00 + 0.50%
0.25%

Amounts up to $25,000
5.00% §
when all requirements met

Amounts over $25,000
0.25%-5.00%§
(depending on balance in account) when all requirements met

All amounts
0.25%
when all requirements ARE NOT met

Minimum Opening Balance $100 $100 $100 $100
Monthly Service Charge $0 $8* $0 $0
Requirements

*$10,000 minimum daily balance, cumulatively for all personal accounts, to avoid $8 monthly service charge.

55 years of age and older

One (1) Direct Deposit posted and settled during the statement cycle, PLUS Twelve (12) Debit Card Transactions posted and settled during statement cycle (not including ATM transactions), PLUS Electronic Statements**.

Perks Free online banking and bill pay Free basic checks, free cashiers checks, free online banking and bill pay Two free boxes of basic checks per year, free paper statements, free online banking and bill pay Free online banking and bill pay
Simply Free
Your Needs

Low balance and $0 monthly service charge

Annual Percentage Yield (APY)
N/A
Minimum Opening Balance
$100
Monthly Service Charge
$0
Requirements
Perks
Free online banking and bill pay
Ultimate
Your Needs

High balances and earns interest

Annual Percentage Yield (APY)
$0 to $9,999.99 0.05%
$10,000.00 to $24,999.99 0.10%
$25,000.00 to $49,999.99 0.20%
$50,000.00 to $99,999.99 0.30%
$100,000.00 to $249,999.99 0.40%
$250,000.00 + 0.50%
Minimum Opening Balance
$100
Monthly Service Charge
$8*
Requirements

*$10,000 minimum daily balance, cumulatively for all personal accounts, to avoid $8 monthly service charge.

Perks
Free basic checks, free cashiers checks, free online banking and bill pay
Wise55
Your Needs

Senior checking with perks

Annual Percentage Yield (APY)
0.25%
Minimum Opening Balance
$100
Monthly Service Charge
$0
Requirements

55 years of age and older

Perks
Two free boxes of basic checks per year, free paper statements, free online banking and bill pay
Savi
Your Needs

Earns competitive interest 

Annual Percentage Yield (APY)

Amounts up to $25,000
5.00% §
when all requirements met

Amounts over $25,000
0.25%-5.00%§
(depending on balance in account) when all requirements met

All amounts
0.25%
when all requirements ARE NOT met

Minimum Opening Balance
$100
Monthly Service Charge
$0
Requirements

One (1) Direct Deposit posted and settled during the statement cycle, PLUS Twelve (12) Debit Card Transactions posted and settled during statement cycle (not including ATM transactions), PLUS Electronic Statements**.

Perks
Free online banking and bill pay

APY’s are effective as of 11/20/2023. Rates are subject to change after account opening.

§This is a blended APY – it includes the balances in both tiers, each of which earns a different rate. Higher balances will produce lower APY’s.

**All requirements will be waived during the first two (2) statement cycles to allow customers to set up direct deposit and receive a Visa debit card. During that time, customers will receive 5.00% APY on balances up to $25,000 and 0.25% – 5.00% APY on balances over $25,000. Enroll for online banking here or at your local branch. Log in to your online banking to access your statements.

Personal Rates

Reorder Checks Online EDIE the Estimator—determine your FDIC insurance coverage

Debit Cards

Use your SaviBank debit card instead of a check, cash or credit card to pay for everyday purchases.  Access ATM machines around the world to obtain cash. MoneyPass member.