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Get Real Savings

Make saving a permanent habit. This account gives children a safe place to keep their spare change while teaching them the importance of saving.

  • No monthly maintenance service charge
  • Earn interest on your savings
  • $10 minimum deposit to open
  • No more than 6 electronic or 3rd party transactions per statement cycle allowed.*

At age 13, account holders can obtain their first bankESB Debit Card and benefit from having ATM fees refunded nationwide.** Online Banking and eStatement options are available at this time.

At age 16, account holders can graduate to Get Real Checking with a bankESB Debit Card.***

Not responsible for surcharges or fees imposed by other banks, ATM operators and/or any networks based outside of the continental United States, Alaska, Hawaii or U.S. Territories.

*Transfers from a Savings account to another account or to third parties are limited under Federal law to no more than six (6) per statement cycle. This limit includes those conducted by 24 Hour Telephone transfers, bankESB Online Business Banking, checks, POS transactions, overdraft protection transfers, ACH transactions, online bill payments and online transfers.

**Can request a bankESB Debit Card at 13 years of age. Debit Card will not have Point of Sale functionality until the account owner turns 16 years of age and requests functionality be turned on. Other bank ATM surcharge fees are charged to the account during current statement cycle and will be refunded on the last business day of the current statement cycle. Accounts closed or changed to another product during statement cycle will not receive a refund of other bank's ATM surcharge fees. Not responsible for surcharges or fees imposed by banks, ATM operators and/or networks on transactions outside of the continental United States, Alaska, Hawaii or US Territories.

***At 16 years of age, can request that Point of Sale functionality be enabled and can also request checks.

Savings Accounts

Minimum to OpenMinimum Daily Balance to Earn APYInterest RateAnnual Percentage Yield (APY)%*
$10.00$0.010.05%0.05%

*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Fees could reduce earnings on accounts. Rates offered are subject to change without notice.

Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.

Passbook Savings

If you prefer the traditional passbook to view and keep track of your transactions and interest payments, then this account is for you.

  • No monthly maintenance service charge
  • Passbook must accompany transactions made in person at any branch
  • Direct Deposit available
  • $10 minimum to open
  • No more than 6 electronic transactions per statement cycle allowed.*

*Transfers from a Savings account to another account are limited under Federal law to no more than six (6) electronic transactions per statement cycle.

Savings Accounts

ProductMinimum to OpenMinimum Daily Balance to Earn APYInterest RateAnnual Percentage Yield (APY)%*
Passbook Savings$10.00$0.010.05%0.05%

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*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Fees could reduce earnings on accounts. Rates offered are subject to change without notice.

Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.

Club Accounts

Save for the holidays or that well deserved vacation with a designated account.

  • No monthly maintenance service charge
  • Statement Savings account
  • $10 minimum to open
  • A check for the balance and interest is mailed in:
    • April for Vacation Club
    • October for Holiday Club
  • Partial withdrawals not allowed*

*If any withdrawal is made from this account before club maturity, then this account may be closed

Savings Accounts

Minimum to OpenMinimum Daily Balance to Earn APYInterest RateAnnual Percentage Yield (APY)%*
$10.00$0.010.05%0.05%

*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Fees could reduce earnings on accounts. Rates offered are subject to change without notice.

Tiered Money Market

Maximize the advantages of higher interest rates while benefiting from the liquidity of a savings account. Plus, with tiered interest rates, the higher your balance, the higher your interest rate.

  • $6 monthly maintenance service charge, waived with a minimum daily balance of $500
  • No more than 6 electronic or 3rd party transactions per statement cycle allowed*
  • Debit Card eligibility
  • Direct Deposit available
  • Free Online Banking
  • eStatements
  • $1,000 minimum deposit to open

Not responsible for surcharges or fees imposed by other banks, ATM operators and/or any networks based outside of the continental United States, Alaska, Hawaii or U.S. Territories.

*Transfers from a Money Market Savings account to another account or to third parties are limited under Federal law to no more than six (6) per statement cycle. This limit includes those conducted by 24 Hour Telephone transfers, bankESB Online Business Banking, checks, POS transactions, overdraft protection transfers, ACH transactions, online bill payments and online transfers.

Savings Accounts

ProductMinimum to OpenMinimum Daily Balance to Earn APYAnnual Percentage Yield (APY)%*
Tiered Money Market Account$1,000.00$0.01 - $24,999.990.03%

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Tiered Money Market $25,000-$49,999.99

$1,000.00$25,000 - $49,999.990.07%

Tiered Money Market $1,000-$99,999.99

$1,000.00$50,000 - $99,999.990.12%

Tiered Money Market $100,000-$999,999.99

$1,000.00$100,000 - $999,999.990.16%

Tiered Money Market $1,000,000+

$1,000.00

$1,000,000+

0.20%

*Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Fees could reduce earnings on accounts. Rates offered are subject to change without notice.

Put $200* In Your Pocket

Open the checking account that fits you best and receive up to $200.*

Learn More about our $200 adventure