Savings & Money Markets
Life has a lot in store for you. We have the savings options built to fit your needs and designed to set you up for future successes.
Take Your Pick
We don't believe in "one size fits all", and neither should you. You deserve a savings option that fits your lifestyle and financial goals.
Everyday Savings
Whether you're saving to reach a goal or putting money away for everyday expenses, Everyday Savings has you covered.
Carefree Account
Spend like a checking account OR save like a money market account, it’s an interest-bearing account that's the best of both worlds!
Premium Money Market
The account for a sophisticated saver looking to earn more interest based on how much you save.
Compare Your Savings Options
You deserve to have all the facts when deciding which savings account option is right for you.
| Everyday Savings | Carefree Account | Premium Money Market | |
|---|---|---|---|
| Benefits & Rewards | Earn more with a loan relationship(1) | Receive up to $10 ATM surcharge refunds(2) | Earn interest while keeping money liquid |
| Ways to Earn Rewards | Have a loan relationship | Be reimbursed when you use an ATM not owned by SNBT(2) | |
| Minimum Balance & Requirements | $250 ($25 if under age 18) | $2,500 OR $25,000 combined balance(3) | $150,000 |
| Earns Interest | |||
| Statements | No charge for paper statements | $3 to receive paper statements | No charge for paper statements |
| eServices | |||
| Service Charge if Requirements Not Met | $6 $0 if under age 18 | $25 and forfeiture of rewards | $25 |
| Account Details | Learn MoreAbout Everyday Savings | Learn MoreAbout Carefree Account | Learn MoreAbout Premium Money Market |
1 Accounts & Loans must be titled in the same Tax Reporting Owner to qualify.
2 Receive up to $10 each statement cycle as reimbursement for ATM fees charged by the owner of the non-SNBT ATM for transactions conducted with your SNBT debit card.
3 Combined Balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit as of the last day of the statement cycle.
2 Receive up to $10 each statement cycle as reimbursement for ATM fees charged by the owner of the non-SNBT ATM for transactions conducted with your SNBT debit card.
3 Combined Balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit as of the last day of the statement cycle.
Club Savings Accounts
Save for a special occasion by setting aside money and adding to it for a certain period of time.
Use your club account at different times of the year. Prepare for back-to-school expenses in July, get ready for Christmas shopping in October, look forward to Summer fun in March, or plan your escape from the cold in January.
- Maintain a minimum balance of $5.00
- You must have another SNBT Checking or Savings account
- $10 charge if account is closed anytime during the club term
- See a Banker for Details
Additional Features
- Overdraft Protection:
- Transfers money from another deposit account into your checking account.
- A small transaction charge is assessed for each overdraft transfer, which costs less than an overdraft charge.
- Overdraft Consideration:
- We may cover your overdraft so you can avoid merchant fees from declined transactions or returned checks.
- An overdraft charge may apply for this discretionary service.
- Available in addition to the overdraft services listed above.
- Learn the details of Overdraft Consideration
- Debit Card Overdraft Consent Service:
- May help you avoid having your transactions automatically declined.
- Applies only to ATM and everyday Debit Card transactions.
- An overdraft charge may apply if this service is used to complete your transaction.
- Learn more about overdraft services here.
- Automated bank-by phone system that gives you account information using a touchtone phone. To access, call 715-735-BANK (2265) or 800-924-9796.
- Many employers offer paycheck deposits into a checking or savings account. Consider taking advantage of this benefit to help with budgeting by earmarking a portion of each paycheck to be deposited into your savings account.
- Keep valuable information and important documents safe.
- Reorder your checks here:
- https://orderpoint.deluxe.com/personal-checks/welcome.htm?execution=e1s1