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Savings Account

A limited transaction account that is a great way to help you establish a habit of saving.


  • $50 opening balance
  • $100 minimum daily balance required to earn interest (Interest compounded on quarterly balance and paid quarterly.)
  • Internet/Mobile/Text Banking
  • Trust24 Telephone Banking

Conditions & Fees

  • $10 service charge if minimum daily balance falls below $100 any day of the statement cycle.
  • Limited transaction account with a $5 per item excessive withdrawal charge per statement cycle for any withdrawal exceeding regulatory limitations.

Federal regulations limit the number of transfers to another one of your accounts at The Bank & Trust, s.s.b. or to a third party by means of a pre-authorized or automatic transfer, telephone transfer, computer transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per statement cycle for savings accounts. This includes sweep transactions and Internet Banking online transfers and bill payments. Exceeding the regulatory limitations on more than an occasional basis may result in savings account being converted to a transaction account.

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