Personal banking
Personal Savings Account: Choose a Way to Save
You work hard for your money. Find the savings account, certificate of deposit or bank IRA option that matches your savings goals!
Compare Personal Savings Account Options
Compare balance requirements, interest rates and other features across different types of savings accounts to choose the best fit to meet your financial goals.
Regular
Details
- No service charge if you maintain a minimum average monthly balance of $50
- Interest earned each day the balance is $50 or more
- 6 free withdrawals or debits per calendar month
- Variable interest compounded quarterly
- Option to use as overdraft protection on a Bell checking account (enrollment required)
MMS
Details
- No service charge if you maintain a minimum balance of $500
- Interest earned each day the balance is $500 or more
- 6 free withdrawals or debits per monthly statement period
- Variable interest compounded monthly
- Option to use as overdraft protection on a Bell checking account (enrollment required)
MMS+
Details
- No service charge if you maintain a minimum balance of $500
- Interest earned each day the balance is $500 or more
- 6 free withdrawals or debits per monthly statement period
- Limited check writing on the account
- Variable interest compounded monthly
- Option to use as overdraft protection on a Bell checking account (enrollment required)
Premier MMS
Details
- No service charge if you maintain a minimum balance of $5,000
- Interest earned each day the balance is $5,000 or more
- 6 free withdrawals or debits per monthly statement period
- Variable interest compounded monthly
- Option to use as overdraft protection on a Bell checking account (enrollment required)
Premier MMS+
Details
- No service charge if you maintain a minimum balance of $5,000
- Interest earned each day the balance is $5,000 or more
- 6 free withdrawals or debits per monthly statement period
- Limited check writing on the account
- Variable interest compounded monthly
- Option to use as overdraft protection on a Bell checking account (enrollment required)
Certificates of Deposit and Individual Retirement Accounts (IRAs)
Fixed-Rate CDs
Details
Competitive local rates that remain the same for the term of the account.
- Minimum $500 deposit to open
- Terms from three months to five years
Flexible CDs
Details
Gives you greater flexibility with your funds.
- Minimum $5,000 deposit to open
- If rates go up – increase the interest rate once during the term
- If you need cash – withdraw up to half without penalty once during the term
IRAs
Details
An individual retirement account can be a low-risk investment for retirement, with several tax advantages. Our bank retirement accounts have terms ranging from one month to five years.
- No annual fees, commissions or hidden charges
- No risk – FDIC insured up to $250,000
- Tax-deferred earnings – so your money grows faster
- Trade up – after age 59 1/2, you may trade up to a higher rate once a year
- Your retirement funds stay local
In most cases, you can't withdraw the money from an IRA without penalty until you reach the age of 59 1/2. CD-funded individual retirement accounts offer stable investment opportunities, and are FDIC insured. Consult your tax advisor to see if one is right for you.
Switch to a Savings Account You'll Love
Related Products
Checking
Credit Card
Mortgage
Still Have Questions?
Our team is available to help answer your questions about savings accounts and other personal banking offerings. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 a.m. to 10:00 p.m. CT, and weekends from 7:00 a.m. to 6:00 p.m. CT.