| Saving Accounts |
What are
Saving Accounts?
These accounts don't offer as high of an
interest
rate as
reward checking accounts and are intended
for customers to set aside a portion of their
liquid assets which is why you usually aren't
allowed to make more than 3-6 withdrawals a
month. Another requirement you might have is to
maintain a minimum balance such as $300.
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| Wachovia Way2Save (5.00% APY) |
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We'll transfer $1 from your Wachovia
checking account to your Way2Save account
when you:
- Make Check Card purchases.
- Pay bills online, including through
Online Banking with BillPay.
- Set up automatic debits made from
your checking account.
To build balances even faster, you can
set up an automatic transfer, up to $100
each month, from your checking account to
your Way2Save account.
We want to help you save. So, for the
first three years, Wachovia will give you
something most basic savings accounts
don't—an annual bonus. The first year, we'll
give you a 5 percent bonus on what you've
socked away. Keep saving, and in the second
and third years, we'll pay a 2 percent bonus
on the dollars you have contributed within
each year. In addition, for the first year,
you'll earn 5.00% APY on every dollar saved,
and 2.00% APY on the second and third years
of your savings.
Notes:
- Hard Inquiry: Yes
- Minimum Balance: $0
- Monthly Fee: $0
- Limit 5 Way2Save accounts per
person.
- Earn 5.00% APY on balances the first
year your account is active.
- Annual Bonus: 5% of the eligible
balance; up to $300.
- Earn 2.00% APY on balances the
second year your account is active.
- Annual Bonus: 2% of the eligible
balance; up to $300.
- Earn 2.00% APY on balances the third
year your account is active.
- Annual Bonus: 2% of the eligible
balance; up to $300.
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| CNB Bank Direct (4.00% APY) |
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- Hard Inquiry: Yes
- Minimum Balance: $1
- FDIC insured.
- Access to your account 24/7.
- Monthly Fee: $0
- No need to switch banks.
- Make up to 6 withdrawals per month
with unlimited deposits.
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| Corus Bank Ultimate Money Market (3.85% APY) |
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- Hard Inquiry: No
- Minimum balance to avoid service fee
is $10,000.00.
- Minimum deposit to open account is
$100.00.
- $25.00 per statement cycle service
fee if minimum balance is not met.
- Three checks per statement cycle
permitted by regulation.
- Unlimited in-person withdrawal
access.
- Up to six pre-authorized withdrawals
per statement cycle.
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| E-Loan Savings Plus + (3.85% APY) |
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- Hard Inquiry: No
- $100 minimum deposit per month.
- Minimum deposit to open account is
$5,000.
- Absolutely no fees.
- Earn 3.85% APY on balances greater
than $100,000.
- Earn 3.75% APY on balances between
$50,000 - $99,999.99.
- Earn 3.51% APY on balances between
$25,000 - $49,999.99.
- Earn 3.35% APY on balances between
$10,000 - $24,999.99.
- Earn 2.76% APY on balances between
$5,000 - %9,999.99.
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| Venture Bank Direct (3.80% APY) |
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- Hard Inquiry: No
- No minimum balance requirement.
- FDIC insured.
- Fund Online - Bank Online.
- Safe and Secure.
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| Capital One Costco Savings (3.75% APY) |
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- Hard Inquiry: No
- No fees.
- Free online transfers.
- $5,000 minimum deposit to open FDIC
insured.
- Costco Member Bonus: $60 for
Executive; $20 for Gold Star and
Business.
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| Citibank Ultimate Savings (3.50% APY) |
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- Hard Inquiry: No
- No fees.
- FDIC Insured.
- No checking account required.
- No monthly maintenance fee.
- $100 minimum deposit.
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| Washington Mutual Online Savings (3.00% APY) |
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- Hard Inquiry: No
- Free Online Banking (required)
- Free Electronic statements
(required)
- Maintain a minimum balance of
$300.00 each day of the monthly
statement cycle to avoid the monthly
service charge amount of $4.00.
- No monthly service charge when you
open Online Savings account with WaMu
Free Checking™ account online, or link a
new Online Savings to an existing active
WaMu checking account, as long as
checking relationship maintained.
- Sign up for Overdraft Transfer
Service and available funds will be
transferred from your linked Online
Savings account to your checking account
to prevent overdrafts or other NSF
transactions (e.g., bounced checks).
Subject to transaction limits and funds
availability.
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