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Personal Savings
Personal Savings Accounts That Matter
Invest in you, invest in your community. When you choose a personal savings account with 21st Century Bank, you’re not only securing your hard-earned money with Federal Deposit Insurance Corporation (FDIC) protection, but you’re also making an investment in the future of your community. Your financial deposits allow us to provide loans and support to local businesses, families, and community projects in the Twin Cities area, helping drive economic growth and create opportunities right where you live. Every dollar you save with us contributes to a stronger, more vibrant community while giving you the peace of mind that comes from banking with a trusted, community-focused institution. Join our bank in building a brighter future by investing in yourself and in the Minneapolis community you call home.
Personal Savings Account Types
Discover the benefits of our personal savings accounts with FREE online banking with simple online enrollment. Stay connected with FREE mobile banking. Manage your finances better with FREE sweep transfers between accounts at 21st Century Bank. Select from three types of accounts to meet your unique savings goals and keep your savings local with our community bank branches in Twin Cities, which ensure that your investment benefits your area.
| 21st Essential Savings | 21st Enhanced Savings | 21st Preferred Money Market | |
|---|---|---|---|
| Key Benefits | |||
| Minimum Balance | $50.00 minimum daily balance to earn interest* | $200.00 minimum daily balance to earn interest* | No minimum balance |
| Opening Deposit | $50.00 | $200.00 | N/A |
| Service Fees | $9.00 service fee per quarter if the minimum daily balance falls below $50 any day of the quarter | $9.00 service fee per quarter if the minimum daily balance falls below $200 any day of the quarter | $13.00 service fee per month if minimum daily balance falls below $5,000 any day of the month |
| Activity Fees | Nine (9) free debits per quarter, with no more than six (6) per month ($0.50 per debit fee thereafter) | Nine (9) free debits per quarter, with no more than six (6) per month ($0.50 per debit fee thereafter) | N/A |
| Interest | Interest compounded daily and paid quarterly | Interest compounded daily and paid quarterly | Tiered Interest rates* Interest compounded daily and paid monthly |
| Statements | Free quarterly e-statement ($5.00 per quarter for paper statements) | Free quarterly e-statement ($5.00 per quarter for paper statements) | Free monthly e-statement with check images ($5.00 per month for paper statement) |
| Other Features | Customers over 65 will have their paper statement fees waived | Customers over 65 will have their paper statement fee waived Minimum daily balance service fee waived for minors until the age of 18 | Customers over 65 will have their paper statement fees waived |
Key Benefits
- $50.00 minimum daily balance to earn interest*
- $50.00 opening deposit
- $9.00 service fee per quarter if the minimum daily balance falls below $50 any day of the quarter
- Nine (9) free debits per quarter, with no more than six (6) per month ($0.50 per debit fee thereafter)
- Interest compounded daily and paid quarterly
- Free quarterly e-statement ($5.00 per quarter for paper statements)
- Customers over 65 will have their paper statement fees waived
Key Benefits
- $200.00 minimum daily balance to earn interest*
- $200.00 opening deposit
- $9.00 service fee per quarter if the minimum daily balance falls below $200 any day of the quarter
- Nine (9) free debits per quarter, with no more than six (6) per month ($0.50 per debit fee thereafter)
- Interest compounded daily and paid quarterly
- Free quarterly e-statement ($5.00 per quarter for paper statement)
- Customers over 65 will have their paper statement fee waived
Minimum daily balance service fee waived for minors until the age of 18
Key Benefits
- $2,500.00 minimum daily balance to earn interest*
- $2,500.00 opening deposit
- $13.00 service fee per month if minimum daily balance falls below $2,500 any day of the month
- Three (3) debits/checks per month, plus three (3) transfers per month ($0.35 per debit fee thereafter)
- Tiered Interest rates*
Interest compounded daily and paid monthly - Free monthly e-statement with check images ($5.00 per month for paper statement)
- Customers over 65 will have their paper statement fees waived
* For up-to-date rate information, please contact an office near you. Please note that your interest rate and annual percentage yield may change, and we reserve the right to change the interest rate on your account weekly.
Learn More About Our Personal Banking
With You at Every Stage
Whether you’re seeking to save more with an IRA or open a checking account– we’re here to help you with understand the products and features available to you.
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