Personal Services - Savings Plans

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Savings Plans

Regular Savings
Our Regular Savings account is a great option if you maintain a lower balance. This account can also be used for overdraft protection on any checking account, except our Better Than Free checking account. With the low minimum balance it's an easy savings account to open!
Minimum Opening Deposit	$100
Monthly Fees	$3 monthly fee if average monthly balance falls below $100.
Interest Accrued/Paid	Daily/Quarterly
Minimum Balance	N/A
Activity Charges	N/A

Money Market Plus
A savings account that rewards customers who maintain higher balances with special money market interest rates and provides limited check writing and easy access to your funds.
Minimum Opening Deposit	$1,000
Monthly Fees	$10 monthly fee plus $.25 per debit if balance falls below minimum of $1,000.
Interest Accrued/Paid	Daily/Monthly
Minimum Balance	N/A
Activity Charges	$5 per check in excess of 3 per statement plus $.25 per debit in excess of 6 preauthorized debits per statement.

Bonus Money Market
A high-yielding savings account that rewards customers who maintain a balance of $25,000 and want their funds to be accessible. Also provides additional flexibility with limited check writing.
Minimum Opening Deposit	$25,000
Monthly Fees	$20 monthly fee if balance falls below minimum of $25,000.
Interest Accrued/Paid	Daily/Monthly
Minimum Balance	N/A
Activity Charges	$5 per check in excess of 3 per statement plus $.25 per debit in excess of 6 preauthorized debits per statement.

Minor Statement Savings
A great savings account for individuals who are under 18 years of age, similar to the regular statement savings.
Minimum Opening Deposit	$25.00
Monthly Fees	$1 per month if balance falls below minimum of $25.00.
Interest Accrued/Paid	Daily/Quarterly
Minimum Balance	N/A
Activity Charges	N/A

IRAs

Secure funds for your retirement with a competitive interest rate and comprehensive savings plan by setting up an Individual Retirement Account. Take advantage of tax deferred interest and a possible tax deduction* by opening any of our attractive IRA plans. For more details, contact any of our branch offices or one of our retirement experts in our Investment Center.

*Consult your tax advisor to determine if you qualify for any tax deductions.

Certificates of Deposit

Byron Bank offers a variety of CDs, including Short Term, Long Term, Jumbo, Home Safe, and Penalty Free. There is a penalty for early withdrawal. All CDs are FDIC insured.

Christmas Club Account

This account allows you to save up for holiday expenses. Payments in the amounts of $10, $20, or $40 are made every 2 weeks, for a total of 25 payments. The account begins at the end of October and matures at the beginning of October of the following year. Withdrawals are not permitted and no interest is earned. Funds are automatically transferred to a Byron Bank checking or savings account when the Christmas Club account expires.

Miscellaneous Other Charges

Overdraft $32.00 - Stop Payment $32.00 - Returned Item $5.00 - Foreign ATM Transaction $1.50 - Close Account within 180 days $10.00