Savings   Personal Savings Christmas Club Minimum to Open None None Minimum to Obtain APY $0.01 $0.01 Minimum Balance None None Minimum Balance Fee None None Transaction Fee 3 free per cycle None Account Statements Quarterly, or monthly w/combined checking Annual statement Extras Competitive interest Competitive interest Personal Savings No minimum balance Competitive interest rate Three free withdrawals per statement cycle Christmas Club Earn a competitive rate of interest Make deposits on a regular basis or choose a amount to automatically deduct from your checking account. Funds disbursed in October, just in time for holiday shopping!