Personal Solutions: Savings and MoneyMax Accounts
Apply Online
Interest Rates
| Regular Savings |
| Minimum to Open: |
$100 - Apply Online |
| Minimum Balance: |
$250 |
| Monthly Service Fee: |
Balance below $250, $5 fee
Withdrawals*
Up to 3 per month - No charge
Over 3 per month - $2 each
No more than 6 electronic withdrawals per statement cycle. |
| Interest: |
Accrues daily and compounded daily on ledger daily balance of $250 and above. Interest paid on entire balance.
Interest paid quarterly.** |
| Other Services Included: |
- ReadyNet Internet Banking
- ReadyLine Telephone Banking
- ATM card
|
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| EasySaver |
| Minimum to Open: |
$25 - Apply Online |
| Minimum Balance: |
$25 |
| Monthly Service Fee: |
Balance below $25, $5 fee
Withdrawals*
Up to 3 per month - No Charge
Over 3 per month - $2 each
No more than 6 electronic withdrawals per statement cycle. |
| Interest: |
Accrues and compounded on daily ledger balance.
Interest paid on entire balance.
Interest paid quarterly.**
Requires a $25 minimum monthly automated funds transfer from a North Dallas Bank checking account. |
| Other Services Included: |
ReadyNet Internet Banking
ReadyLine Telephone Banking
ATM Card |
* Federal Regulation D limits checks and telephone, online, overdraft, and preauthorized transfers (including POS purchases, automatic and wire transfers) to six per statement period. Exceeding withdrawal limitations could result in your account being classified as non-interest-bearing account.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
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| MoneyMax |
| Minimum to Open: |
$100 - Apply Online |
| Minimum Balance: |
$2,500 |
| Monthly Service Fee: |
Below $2,500 - $15
Transactions*
Up to 6 per statement cycle (Unlimited withdrawals on bank premises or at ATMs.)
|
| Interest: |
Accrues daily and compounded monthly on collected daily balance of $2,500 and above on tiered balance requirements.
Interest paid monthly.**
$50,000+
$25,000 - $49,999
$10,000 - $24,999
$2,500 - $9,999
Below $2,500 no interest |
| Other Services Included: |
- ReadyNet Internet Banking
- ReadyLine Telephone Banking
- ATM card
|
* Federal Regulation D limits checks and telephone, online, overdraft, and preauthorized transfers (including POS purchases, automatic and wire transfers) to six per statement period. Exceeding withdrawal limitations could result in your account being classified as a non-interest-bearing account.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
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| High Yield Savings |
| Minimum to Open: |
$100 - Apply Online |
| Minimum Balance: |
$2,500 |
| Monthly Service Fee: |
Balance below $2,500, $15 fee
Withdrawals*
Up to 3 per month - No charge
Over 3 per month - $2 each
No more than 6 electronic withdrawals per statement cycle. |
| Interest: |
Accrues daily and compounded daily on ledger daily balance.
Interest paid monthly.**
$100,000+
$50,000 - $99,999
$2,500 - $49,999
Below $2,500 no interest |
| Other Services Included: |
- ReadyNet Internet Banking
- ReadyLine Telephone Banking
- ATM card
|
* Federal Regulation D limits checks and telephone, online, overdraft, and preauthorized transfers (including POS purchases, automatic and wire transfers) to six per statement period. Exceeding withdrawal limitations could result in your account being classified as a non-interest-bearing account.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
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| Minor Savings (minors up to 18 years***) |
| Minimum to Open: |
None Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
No monthly service fee.
Withdrawals*
Up to 3 per month - No charge
Over 3 per month - $2 each
No more than 6 electronic withdrawals per statement cycle. |
| Interest: |
Accrues daily and compounded daily on ledger daily balance. Interest paid on entire balance.
Interest paid quarterly.** |
| Other Services Included: |
- ReadyNet Internet Banking
- ReadyLine Telephone Banking |
* Federal Regulation D limits checks and telephone, online, overdraft, and preauthorized transfers (including POS purchases, automatic and wire transfers) to six per statement period. Exceeding withdrawal limitations could result in your account being classified as a non-interest-bearing account.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
***Minor Savings account will convert to Regular Savings when the account holder reaches 18 years of age.
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| Senior Savings (must be 65+) |
| Minimum to Open: |
$100 Apply Online |
| Minimum Balance: |
None |
| Monthly Service Fee: |
No monthly service fee.
Withdrawals*
Up to 3 per month - No charge
Over 3 per month - $2 each
No more than 6 electronic withdrawals per statement cycle. |
| Interest: |
Accrues daily and compounded daily on ledger daily balance. Interest paid on entire balance.
Interest paid quarterly.** |
| Other Services Included: |
- ReadyNet Internet Banking
- ReadyLine Telephone Banking
- ATM card
|
* Federal Regulation D limits checks and telephone, online, overdraft, and preauthorized transfers (including POS purchases, automatic and wire transfers) to six per statement period. Exceeding withdrawal limitations could result in your account being classified as a non-interest-bearing account.
** Variable interest rates are subject to change without notice and fees may reduce the earnings and APY.
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