Personal Savings

At SmartBank we are committed to helping you prepare for the future. With a SmartBank personal savings account, you can take advantage of our different account options to create the best financial management solution for your life. Visit your local SmartBank today to speak with one of our trained and experienced associates and start saving for your future today!

SmartSaver Savings

SmartSaver Savings

Perfect to help you save for a rainy day.

  • Minimum opening deposit of $50
  • $3 quarterly service fee waived with minimum balance of $50
  • Interest earned on funds
  • 6 free withdrawals per quarter; $2.00 each additional withdrawal

SmartCDs

SmartCDs

Flexible and interest-driven.

  • Minimum Investment of $1000
  • Flexibility in terms of deposit with competitive interest rate
  • Interest can be paid by check, added back to the CD, or deposited into any SmartBank checking or savings account

SmartHSA

SmartHSA

A Health Savings Account to help save for medical expenses.

  • Minimum opening deposit $100
  • One time set-up fee
  • No monthly service fee
  • Interest earned on funds

SmartSaver Christmas Fund

SmartSaver Christmas Fund

The best way to plan for the holidays.

  • Minimum opening deposit $25
  • Interest earned on funds
  • Annual lump sum distribution in November each year
  • Early withdrawal automatically closes account

SmartMoneyMarket Account

SmartMoneyMarket Account

Allows you to save and easily access your funds.

  • Minimum opening deposit $2,500
  • $10 monthly service fee waived with minimum balance of $2,500
  • Tiered interest rates

SmartIRAs

SmartIRAs

  • An individual retirement account to help you plan for a secure future.
  • Minimum opening balance $100
  • Variety of accounts available