Savings Accounts

When it comes to planning for your future, or even reaching short- and long-term goals, a solid savings account is the smartest place to start.

From saving up for the holidays, to contributing to a Traditional, Student, or ROTH IRA, you’ll find exactly what you need right here at Banner Capital Bank.

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Regular Savings

  • No minimum deposit to open
  • No minimum balance required
  • No monthly service charge
  • Earns interest*
  • Unlimited number of deposits into your account
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.

Premier Money Market Account

  • Minimum $1,000 opening deposit
  • No monthly service charge with average daily balance of $1,000
    • A monthly service charge of $5 will be imposed each monthly statement cycle if the average daily balance falls below $1,000
  • Earns interest*
  • Unlimited number of deposits into your account
  • Transfer funds, withdrawals money or writing checks
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates

Christmas Club Savings

  • No minimum deposit to open
  • No monthly service charge
  • Earns interest*
    • Interest compounds annually
    • Interest will be credited into the account annually
  • No withdrawals allowed; a check will be sent to you on or around November 15th each year
  • Unlimited number of deposits into your account
  • Free statements – online or paper
  • Free online banking

*Interest rate and annual percentage yield subject to change; call your local branch for current rates

Health Savings Account (HSA)

  • Must have a High Deductible Health Plan (HDHP) to enroll
  • No minimum deposit to open account
  • No monthly service charge
  • Earns interest*
  • Distributions are for medical purposes+
  • Deposit limitations apply++
  • Free statements – online or paper
  • Free online banking
  • Free MasterCard® Debit card

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.
+Distributions could potentially be tax-free deductions (visit with your tax consultant). For non-qualifying distributions, the withdrawal amount is subject to income tax and a 10% penalty.
++The amount to contribute will be determined by the type of HDHP coverage, age, date of eligibility and the date eligibility ceases.

Individual Retirement Account

  • Traditional IRA
  • Roth IRA
  • Student (Coverdell Education Savings Account) IRA
  • Investments are FDIC insured
  • No fees
  • No minimum balance to open
  • Earns interest*

To learn more about each IRA option (and how our bank representatives can help match you with the right IRA to meet your goals), click here.

*Interest rate and annual percentage yield subject to change; call your local branch for current rates.