Personal Savings Accounts

It's not just savings, it's how you will pay for your future.

Statement Savings*

Build a rainy-day fund.

  • Earn interest with a low minimum balance

  • Free online banking

  • Free mobile banking

  • Free MasterCard® debit card when linked to a Byline Bank checking account***

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Golden Statement Savings*

Get more from your savings. Earn more interest on larger balances.

  • Earn more interest by maintaining a higher balance

  • Free online banking

  • Free mobile banking

  • Free MasterCard® debit card when linked to a Byline Bank checking account***

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Passbook Savings*

For the traditionalist. Post and track your transactions in a passbook.

  • Track your balance with a passbook ledger

  • Free online banking

  • Free mobile banking

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Golden Passbook Savings*

Earn more interest. Track your transactions in a traditional passbook.

  • Earn more interest by maintaining a higher balance

  • Track your balance with a passbook ledger

  • Free online banking

  • Free mobile banking

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Money Market**

Keep your savings in reach.

  • Earn interest based on balances

  • Access your money market by transfer, check or debit card

  • E-statements make record keeping easy

  • Free online and mobile banking

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Individual Retirement Accounts

Retire right. An Individual Retirement Account (IRA) can help to make sure your money is there for you when you retire.

All of our IRAs are insured up to $250,000 by the Federal government.

  • Traditional IRA
    Defer taxes on your earnings until you withdraw funds from your IRA. Contributions are often tax deductible in the year they are made.
     
  • Roth IRA
    Enjoy tax-free withdrawals for most distributions (after a five year holding period). Great for people who expect to be in a higher income bracket when they retire.
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Rates are set at the bank’s discretion and may change at any time. Accounts closed during a statement cycle will not earn accrued interest for that period. Interest begins to accrue on the business day of your deposit. *All savings accounts: Daily balance earns a variable rate of interest compounded and paid quarterly, when the minimum balance requirements are met. If minimum balance requirements are not met, the monthly service fee is $3. Maximum pre-authorized withdrawals per month equal 6. **The interest rate varies to reflect current market conditions. Interest is compounded and paid monthly on the daily balance. You are limited to 6 pre-authorized transfers, which include checks, drafts, Debit Card, or similar order made to third parties per month. If the daily balance falls below $2,500, a monthly service fee of $15 will be charged.On High Yield Money Market Accounts, if the daily balance is $10,000 or more, the interest rate paid on the entire balance in the account will be at the High Yield Money Market account interest rate. If the daily balance falls between $2,500 and $10,000, the interest rate paid on the entire balance in the account will be at the Personal Money Market account interest rate. If the daily balance falls below $10,000, a monthly service fee of $25 will be charged. View current rates. ***Savings only clients may only access their account with an ATM card. MasterCard Debit Card is Free at account opening with a Checking Account. Miscellaneous fees may apply. Please see account disclosure for more information.