Smart Saver

Keep your savings growing, effortlessly, with Smart Saver.

Smart Saver builds savings automatically. When you link this free account to Smart Rate or Smart Bonus Checking, earn higher dividends every month you qualify. ^‡

Benefits You’ll Love

• No monthly maintenance fees
• Free digital banking services
• Competitive dividends on your savings balance

Details

• Free account that builds your savings effortlessly
• Links to free Smart Rate or Smart Bonus Checking
  • Automatic transfers of Smart Rate or Smart Bonus Checking earnings
• 3.00% APY^‡ on balances as much as $50,000
• 3.00% to 1.33% APY on balances over $50,000 depending on balance in account^‡
• 0.05% APY^‡ on all balances if qualifications are not met in Smart Rate or Smart Bonus Checking
• No monthly maintenance fee
• No minimum balance to earn rewards
• $5 minimum deposit to open

Qualifications to Earn the Higher Rate

Qualifying for your Smart Rate or Smart Bonus Checking rewards automatically qualifies you for the highest Smart Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Smart Rate or Smart Bonus account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• At least 1 direct deposit or ACH credit transaction
• Be enrolled in and agree to receive electronic statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Smart Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Disclaimers