PERSONAL SAVINGS ACCOUNTS
Hiawatha National Bank serves its community with a variety of Personal Savings accounts.
View our personal savings rates.
| |
Premium Savings |
HNB Money Market |
Statement Savings |
Christmas Club |
|
MINIMUM
OPENING
DEPOSIT5
|
$2,500 |
$2,500 |
$50 |
$14
|
|
MINIMUM BALANCE5
|
$2,500 |
None1 |
$50 |
$50 |
|
MONTHLY
MAINTENANCE
CHARGE
|
None; Statement Saving rate paid if below minimum |
None |
If balance falls below minimum: $0.50 per month |
None |
|
INTEREST RATES6
|
Variable rate paid on average daily balance7; credited monthly |
Variable tiered rates1 calculated on average daily balance7; credited monthly |
Variable rate paid on average daily balance7; credited quarterly |
Variable rate; compounded annually |
|
WITHDRAWALS
|
Three free per month; $7.50 fee per month if over three2 |
Six free per month2; $1 per withdrawal if over six |
Six free per month2; $1 per withdrawal if over six |
No withdrawals permitted before October 31st |
|
VISA
CASH CARD
|
Free3 |
Free3 |
Free3 |
N/A |
|
ATM
TRANSACTIONS
|
No fees at HNB ATMs
4 Free ATM transactions at non-HNB ATMs per month
|
No fees at HNB ATMs
4 Free ATM transactions at non-HNB ATMs per month
|
No fees at HNB ATMs
4 Free ATM transactions at non-HNB ATMs per month
|
N/A |
|
ONLINE
BANKING
|
Free |
Free |
Free |
Free |
|
MOBILE BANKING
|
Free |
Free |
Free |
Free |
|
ADDITIONAL
BENEFITS
|
|
Check writing capability
Visa Cash & Check Card also available3
|
No minimum balance for customers under age 19 |
A check is issued for your entire balance on November 1st |
1 HNB Money Market interest rate is tiered based on following average daily balances: below $25,000; $25,000 to $49,999.99; $50,000 to $149,999.99; $150,000 to $249,999.99; $250,000 to $999,999.99; $1,000,000 & over
2 For Premium Savings, HNB Money Market and Statement Savings, Federal regulation limits no more than six pre-authorized, automatic, online banking or telephone transfers per month. No more than six can be by check or VISA Cash & Check card for HNB Money Market. Unlimited withdrawals at ATMs or in person are permissable.
3 Based on approval.
4 Maximum opening deposit allowed is $250.00.
5 Minimum balance to obtain stated APY.
6 Variable interest rates subject to change.
7 We use the average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.