Personal Savings

Personal Savings and Certificate of Deposit Options


Account Name	Monthly Maintenance Fee	Minimum Balance	Interest Bearing	Statements	Additional Features
Statement Savings	$2.00, waived with minimum balance	$100.00	Yes See Rates	Quarterly	Learn More
Youth Statement Savings	None	None	Yes See Rates	Quarterly	Learn More
Consumer Money Market Savings	$20.00, waived with minimum balance	$2,500.00	Yes See Rates	Monthly	Learn More
Reward Money Market Savings	$20.00, waived with minimum balance	$2,500.00 and must have Reward Checking	Yes See Rates	Monthly	Learn More
Certificates of Deposit (CDs)	None	$500.00	Yes See Rates	Based on maturity	Learn More
Health Savings Account	$2.00, waived with minimum balance or with Employer Plan	$500.00	Yes	Monthly	Learn More
All RiverWood accounts include: FREE checking and savings combined monthly statements. FREE Instant Cash or Instant Cash and Check Card (subject to qualification). FREE ATM transactions at RiverWood and many Instant Cash locations. FREE Online Banking. FREE automatic transfers from your RiverWood checking account to make savings easier.

Consumer Statement Savings

An affordable basic savings plan.

$100.00 minimum deposit to open account.
$2.00 monthly service fee. Fee waived with $100.00 minimum daily ledger balance.
Competitive rates paid on daily collected balance. See Rates*.
Earns daily interest, paid quarterly.
Quarterly statements or monthly with combined statement.
Withdrawals or transfers available in person, at an ATM with an Instant Cash and Check Card, through RiverWood Bankline, Online Banking, or an electronic (ACH) transaction, subject to limitations.¹
FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
FREE ATM transactions at RiverWood and many Instant Cash locations.
FREE Online Banking.
FREE automatic transfers from your RiverWood checking account to make savings easier.

Youth Statement Savings

A savings plan designed to make it easy for youth to start saving.

Must be less than 18 years old to qualify for this account.
$10.00 minimum deposit to open account.
No monthly service fee and no minimum balance required.
Competitive rates paid on daily collected balance. See Rates*.
Earns daily interest, paid quarterly.
Quarterly statements or monthly with combined statement.
Withdrawals or transfers available in person, at an ATM with an Instant Cash and Check Card, through RiverWood Bankline, Online Banking, or an electronic (ACH) transaction, subject to limitations.¹
FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
FREE ATM transactions at RiverWood and many Instant Cash locations.
FREE Online Banking.
FREE automatic transfers from your RiverWood checking account to make savings easier.

Consumer Money Market Savings

A competitive, tiered interest rate account designed for customers with higher balances.

$100.00 minimum deposit to open account.
$20.00 monthly service fee. Fee waived with $2,500.00 minimum daily ledger balance.
Competitive, tiered rates paid on daily collected balance. See Rates*.
Earns daily interest, paid monthly.
Monthly statements. Combined statements available.
Withdrawals or transfers available by check, in person, at an ATM with an Instant Cash and Check Card, through RiverWood Bankline, Online Banking, or an electronic (ACH) transaction, subject to limitations.¹
Six free withdrawals per month, then $2.00 each thereafter.
FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
FREE ATM transactions at RiverWood and many Instant Cash locations.
FREE Online Banking.
FREE automatic transfers from your RiverWood checking account to make savings easier.

Reward Money Market Savings

An exclusive tiered rate account that pays bonus rates for our Reward Checking customers.

Must have Reward Checking account to qualify for this account.
$100.00 minimum deposit to open account.
$20.00 monthly service fee. Fee waived with $2,500.00 minimum daily ledger balance.
Competitive, tiered rates paid on daily collected balance. See Rates*.
Earns daily interest, paid monthly.
Monthly statements. Combined statements available.
Withdrawals or transfers available by check, in person, at an ATM with an Instant Cash and Check Card, through RiverWood Bankline, Online Banking, or an electronic (ACH) transaction, subject to limitations.¹
Six free withdrawals per month, then $2.00 each thereafter.
FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
FREE ATM transactions at RiverWood and many Instant Cash locations.
FREE Online Banking.
FREE automatic transfers from your RiverWood checking account to make savings easier.

Certificates of Deposit (CDs)

A longer term savings option, with competitive fixed rates on time deposits from 91 days to 60 months.

$500.00 minimum deposit to open a certificate account.
Interest bearing deposit with rate based on term of certificate. See Rates*.
Certificate accounts may be set up as Individual Retirement Accounts (IRAs).
Penalties apply if funds are withdrawn prior to the stated maturity dates.

Health Savings Accounts (HSAs)

An interest bearing checking account with tax benefits for individuals covered by high deductible health plans.

$100.00 minimum deposit to open account.
$2.00 monthly service fee, waived with $500.00 minimum ledger balance.
Competitive, tiered rates paid on daily collected balances. See Rates*.
Earns daily interest, paid monthly.
Monthly statement with free check safekeeping.
Unlimited check writing.
FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
FREE Online Banking.
Required minimum balance and monthly service charge do not apply for Employer Sponsored Plans with RiverWood Bank. See banker for details.

*Interest rates offered on accounts are determined at bank's discretion and may change without notice. Withdrawals, penalty or fees may reduce earnings.

¹ ^{You may not make more than six transfers by check, electronic check, draft, debit card (if applicable), bill pay, or other payment order to third party as well as transfers out by telephone, internet or through an automated clearing house. The bank reserves the right to close the savings/money market account if the transfer limitations described above are exceeded.}