Overview

Savings works alongside checking to create a complete deposit relationship, helping customers separate spending funds from retained balances.

• Reserve balances and emergency funds
• Goal-based savings planning
• Transfers from checking
• Linked account relationships
• Digital Banking monitoring
• Long-term balance management

What To Expect

Savings accounts are designed for holding retained balances, building savings goals, managing reserve funds, earning interest where applicable, linking to checking accounts, and monitoring through Digital Banking.

Savings is intended for planning and balance growth rather than routine spending.

Reserve Balances

Savings helps customers maintain financial discipline and balance separation.

• Emergency funds
• Planned expenses
• Retained business balances
• Budget separation
• Long-term financial planning
• Account growth

Interest & Compounding

Rates, balance requirements, and account terms are defined in applicable disclosures. Customers should review current rate information and account terms.

• Interest-bearing balances
• Daily compounding (where applicable)
• Monthly interest crediting
• APY-based earnings
• Balance-based rate tiers

Linked Account Relationship

Savings accounts work best when paired with linked deposit relationships.

• Checking accounts
• Direct deposit relationships
• Internal transfers
• Digital Banking access
• Balance monitoring

Digital Banking for Savings

Digital Banking helps customers track savings and manage transfers.

• Online Banking
• Mobile Banking
• Balance review
• Transfer initiation
• Transaction history
• Linked account monitoring
• Statements and notices

Savings Role in Account Opening

Savings may be introduced during onboarding as a companion account to checking, a reserve account structure, an Earth Savings relationship when applicable, or a linked deposit account.

Savings is positioned as a core part of the banking relationship, not an afterthought.