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.
Simply Savings
Whether you're saving to reach a goal or putting money away for everyday expenses, Simply Savings has you covered.
Money Market
Maximize your savings with our Money Market Account—enjoy higher interest rates and easy access to your funds, all while keeping your money secure.
Health Savings Account
Stay in control of your healthcare costs with an HSA.
- Tax-deductible contributions*
- Pay for qualified medical expenses
*Not intended to provide tax advice. Contact a tax professional. Subject to Internal Revenue Code requirements and rules. Limitations apply. See the disclosure statement for additional information.
Compare Your Savings Options
You deserve to have all the facts when deciding which savings account option is right for you.
| Simply Savings | Money Market | Certificates of Deposit | Health Savings Account (HSA) | IRA Savings | |
|---|---|---|---|---|---|
| Benefits & Rewards | A great way to start saving | Earn higher rates while maintaining access to your funds | Grow your investment with a fixed rate while keeping it FDIC insured | Cover your medical expenses(2) | Make contributions to your future retirement(2) |
| Minimum Balance | $100 $0 if under age 18 | $2,500 $0 if under age 18 | Varies depending on term | $300 in HSA or $500 combined balance between all SNBT accounts | $0.01 to earn interest |
| Earns Interest | |||||
| Free Paper or eStatements | |||||
| eServices | |||||
| Service Charge(1) if requirements not met | $5 $0 if under age 18 | $10 $0 if under age 18 | Penalty for early withdrawal | $5 | $0 |
| Account Details | Learn MoreAbout Simply Savings | Learn MoreAbout Money Market Accounts | Learn MoreAbout Certificates of Deposit | Learn MoreAbout Health Savings Accounts | Learn MoreAbout IRA Savings Accounts |
1. Fees may reduce earnings. Other charges such as non-sufficient funds, overdraft, continuous overdraft charges, etc. may apply. See our service charge schedule for details.
2. Not intended to provide tax advice. Contact a tax professional. Subject to Internal Revenue Code requirements and rules. Limitations apply. See the disclosure statement for additional information.
2. Not intended to provide tax advice. Contact a tax professional. Subject to Internal Revenue Code requirements and rules. Limitations apply. See the disclosure statement for additional information.
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