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

Certificate of Deposit (CD) *

  • Available to individual and commercial customers
  • Wide range of investment terms (from 3 months to 5 years)
  • Early withdrawal penalty applies
  • Minimum deposit amount may apply
  • Interest rate and annual percentage yield subject to change; call your local branch for current rates

*Banner Capital Bank offer a special rate for CD amounts $10,000 and above. A penalty may be applied for early withdrawal.  Fees may be charged to the account, which could reduce earnings. Rate of Return is referred to as Annual Percentage Yield (APY).

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 may tax-free deductions (visit 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, Student, and ROTH options
  • Investments are FDIC insured
  • No fees
  • No minimum balance to open
  • Interest rate and annual percentage yield subject to change; call your local branch for current rates

Open your account today!

Give us a call at 1-800-681-0969 to speak with our Account Concierge, stop by your local branch, or click below to get started online.

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