Savings Overview

Savings works alongside checking to create a complete deposit relationship, helping customers separate spending funds from retained balances.

• Reserve balances and emergency funds
• Goal-based savings planning
• Transfers from checking
• Linked account relationships
• Digital Banking monitoring
• Long-term balance management

What Savings Supports

Savings accounts are designed for holding retained balances, building savings goals, managing reserve funds, earning interest where applicable, linking to checking accounts, and monitoring through Digital Banking.

Reserve Balances

Savings accounts are commonly used for emergency funds, planned expenses, budget separation, retained balances, long-term financial planning, and account growth.

Interest & Compounding

Savings accounts may include interest-bearing balances, daily compounding where applicable, monthly interest crediting, APY-based earnings, and balance-based rate tiers. Customers should review current rate information and account terms.

Linked Account Relationship

Savings works best when paired with checking accounts, direct deposit relationships, internal transfers, Digital Banking access, and balance monitoring.

Digital Banking for Savings

Eligible savings accounts may access Online Banking, Mobile Banking, balance review, transfer initiation, transaction history, linked account monitoring, and statements and notices.