SMART Rewards Savings

SMART Rewards Savings

Make the most of your money with SMART Rewards Savings. This high-yield savings account automatically transfers the monthly earnings and ATM fee refunds from your Smart Rewards Checking Account and gives you another great interest rate. So not only do you earn 1.01% APY* on your checking balance, you earn 0.49% APY* on your savings too. It's a great way to maximize your earnings!

  • Earn 0.49% APY* on balances up to $20,000
  • Earn 0.24% APY* on amount of balance over $20,000
  • Earn 0.05% APY* if qualifications aren't met
  • Attached to SMART Rewards Checking Account
  • No minimum balance
  • No service charge per monthly statement cycle
  • Free VISA® debit card**
  • No annual fee VISA® credit card***
  • Free online banking
  • Free eStatements
  • Direct deposit available
  • FDIC Insurance
  • $10 deposit to open

*APY = Annual Percentage Yield. See "More Information" tab above for details.

**Some restrictions apply

***On approved credit


The qualifications for your SMART Rewards Savings Account are:

  • Must receive E-statements
  • Must have a Smart Rewards Checking account
  • Must meet Smart Rewards Checking qualifications

If you don't qualify in a given cycle, don't worry—you'll still earn our base rate of interest, and you can get the rewards back the very next cycle!

More Information

Minimum to open account is $10.00 for SMART Rewards Savings. Annual Percentage Yield (APY) accurate as of 11/02/2012. The advertised SMART Rewards Checking APY is based on compounding interest. The interest earned in SMART Rewards Checking is automatically transferred to SMART Rewards Savings each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. The SMART Rewards Savings APYs may be less than the SMART Rewards Checking APYs. SMART Rewards Savings rate tiers are as follows: 0.49% APY applies to balances of $0.00‐ $20,000.00 and 0.24% APY applies to balances over $20,000.00 if qualifications are met during monthly qualification cycle on SMART Rewards Checking. 0.05% APY applies to all balances if qualifications are not met on SMART Rewards Checking. Qualifying transactions must post and clear SMART Rewards Checking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra‐bank transfers do not count as qualifying transactions. ATM Fee refunds to SMART Rewards Checking account provided only if qualifications are met within monthly qualification cycle. Rates may change after account is opened. Fees may reduce earnings.