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Personal Savings Accounts

Save Easier with Money Market, Statement Savings or Health Savings Account

Saving money regularly is a healthy habit that can serve you well throughout your life. Titonka Savings Bank offers multiple savings accounts to make saving easier:

You can start the process of opening your Titonka Savings Bank savings account easily online with our Deposit Account Application. Read through the features of each savings account and apply today!

Jan Anderson
"Smile, Caring, Trust – Three words that describe great customer service.  At TSB, we know our customers and try to greet them with a smile and call them by name.  I feel our customers can trust us with their concerns."
Julie Newton, TSB Customer Service Rep

Saving Accounts Features

Each savings account at Titonka Savings Bank comes with comprehensive services to make your banking experience complete:

  • Online Banking                
  • Online Bill Pay          
  • eStatements     
  • Identity Theft 911           
  • Dial-A- Bank
  • Direct Deposit
  • Telephone Transfers
  • And much more!

Statement Savings Account

Statement Savings is a great option for anyone who wants to save money. With a $100 minimum opening balance and fees waived for students 24 and under, anyone under the age of 18  and non-profit organizations, Statement Savings is a great way to get your savings plan started. Other features of the Statement Savings Account include:

  • Minimum Opening Balance:  $100.
  • Interest Compounded Monthly
  • Minimum Daily Balance required to Waive Service Charge:  $100.
  • Monthly Service Charge:  $2.50
  • Excess Item Fee:  $5.00 per debit in excess of 6 preauthorized, automatic, telephone transfer, check, draft, debit card debits.
  • Interest earned on balances over $1.00 and compounded monthly.
  • Overdraft Fee:  $25.
  • Insufficient Funds Fee:  $25.

Money Market Deposit Account (MMDA)

A Money Market Deposit Account allows you to earn higher interest on your hard earned money. A Money Market account is for those with higher savings balances with a $1,000 minimum opening balance. With tiered interest rates, the higher your account balance, the higher your interest rate. Other features of the Money Market Deposit Account include:

  • Savings account is accessible through written checks
  • FREE imaged checks and deposits
  • FREE TSB image binder (if not combined on statement)
  • Minimum Opening Balance:  $1,000.
  • Interest Compounded Monthly
  • Minimum Daily Balance required to Waive Service Charge:  $1,000.
  • Monthly Service Charge:  $10.00
  • Excess Item Fee:  $5.00 per debit in excess of 6 preauthorized, automatic, telephone transfer, check, draft, debit card debits.
  • Interest earned on balances over $1.00 and compounded monthly.
  • Overdraft Fee:  $25.
  • Insufficient Funds Fee:  $25.

Health Savings Accounts (HSAs)

Health savings accounts are available for families and individuals covered by a high-deductible health plan as a way to save for future medical expenses. Through monthly contributions you can build the balance of your HSA so that you are prepared for medical expenses.

Your tax advisor can help you decide if an HSA from Titonka Savings Bank is right for you. We can also help you better understand health savings accounts, so feel free to contact us with questions.  The U.S. Treasury FAQ page is also a great resource for questions about HSAs.

 

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we may ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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