Savings Accounts
Start your savings account to set a path to reaching your goals, whatever they may be. Whether you’re gearing up for a comfortable retirement, hoping to buy a new home, or planning for your child’s education, we can help you get there. Chose the account that’s right for you.
Regular Savings Account
Earn interest, and keep your money accessible
Save for life’s necessities, goals, and emergencies with a convenient, simple savings account. It’s perfect at any stage in life. Earn interest based on your average daily balance, enjoy unlimited in-person withdrawals, and access your account from your pc or mobile device.
Learn more about our Regular Savings account
Earn Tiered Interest
Based on your average daily balance, your account earns a tiered annual percentage yield and interest rate. Interest compounds quarterly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.
- Tier 1: Balances of $0 to $99,999.99
- Tier 2: Balances of $100,000 to $499,999.99
- Tier 3: Balances of $500,000 to $999,998.99
- Tier 4: Balances of $999,999 or more
Additional Information
- Convenient online savings account access
- Quarterly statement
- $6 per quarter service charge if the average daily balance for the calendar quarter falls below $200
- No service charge or minimum balance requirement for individuals under 24 or 65 years of age and older.
Open Regular Savings Account
First Money Market
Great returns for long-term goals
With a money market savings account, keep a higher balance for a great interest rate, while maintaining the flexibility of our other savings accounts. Account service charge fees are waived when you maintain a minimum balance. The more you save, the more you earn.
Learn more about our First Money Market account
Earn Tiered Interest
Based on your average daily balance, your balance earns a tiered annual percentage yield and interest rate. Interest compounds monthly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.
- Tier 1: Balances of $1,000 to $24,999.99
- Tier 2: Balances of $25,000 to $99,999.99
- Tier 3: Balances of $100,000 to $499,999.99
- Tier 4: Balances of $500,000 to $999,998.99
- Tier 5: Balances of $999,999 or more
Additional Information
- Convenient Online Savings Account Access
- Combined statement with checking account
- $1,000 minimum deposit required to open the account
- $15 service charge each statement cycle if the balance falls below $1,000 any day of the statement cycle
- ATM and Debit Card are not available
Open Money Market Account
Premium Money Market
Secure savings at industry-leading rates
Our highest-yield traditional savings option. Earn dividends on your high-balance account at a healthy rate, while maintaining anytime access.
Learn more about our Premium Money Market account
Earn Tiered Interest
Based on your average daily balance, your balance earns a tiered annual percentage yield and interest rate. Interest compounds monthly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.
- Tier 1: Balances of $0 to $24,999.99
- Tier 2: Balances of $25,000 to $249,999.99
- Tier 3: Balances of $250,000 to $499,999.99
- Tier 4: Balances of $500,000 to $999,998.99
- Tier 5: Balances of $1,000,000 to $2,499,999.99
- Tier 6: Balances of $2,500,000 and up
Additional Information
- Convenient Online Savings Account Access
- Combined statement with checking account
- $25,000 minimum deposit required to open the account
- $15 service charge each statement cycle if the balance falls below $1,000 any day of the statement cycle
- ATM and Debit Card are not available
Open Premium Market Account
Savings Accounts at a Glance
| | Regular Savings | First Money Market | Premium Money Market |
|---|
| Opening Balance | None | $1,000 | $25,000 |
| Service Charges | $6 per quarter (on accounts that do not maintain an average quarterly balance of $200) | $15 per month if balance falls below minimum for service charges and/or interest | $15 per month if balance falls below minimum for service charges and/or interest |
| Minimum Balance for Service Charges | $200 | $1,000 | $1,000 |
| Minimum Balance to Earn Interest | None | $1,000 | $25,000 |
| Statement Frequency | Quarterly | Monthly | Monthly |
| Earns Interest | Yes1 | Yes2 | Yes2 |
| Visa® Debit & ATM Card | Free | N/A | N/A |
| Mobile Banking | Free4 | Free4 |
| Online Banking and Bill Pay | Available | Available | Available |
| eStatement | No Charge | No Charge | No Charge |
| Check Writing | None | Yes | Yes |
| Checks | None | Fee depending on style of checks ordered | Fee depending on style of checks ordered |
| Check Images | N/A | No | No |
| FIBT ATM access | Free | N/A | N/A |
| Non FIBT ATM | Fees may be refunded3 | N/A | N/A |
| | Open Savings Account | Open First Money Market Account | Open Premium Money Market Account |
Additional Information:
Specialty Savings Accounts
Christmas Club Savings Account
Prepare for annual shopping and spending
The holiday season should be a time of joy, not stress. Avoid the strain that can come with holiday spending. Set up contributions to be set aside on a weekly, bi-weekly or monthly basis. Start saving and making interest now.
Learn more about our Christmas Club Savings account
Variable Rate Interest
Variable rate interest is credited to your account at maturity on November 15.
No savings limit. No minimum deposit
Deposit as much or as little in your account as you want.
Easy transfer to your First International Bank & Trust Account
Upon maturity, you must transfer your savings account balance to another First International Bank & Trust savings or checking account.
Open Christmas Club Savings Account
Kids Club
Start saving now for a strong financial future
Start developing healthy financial habits early. Kids age 12 and younger can open a Kids Club savings account. It’s a great way to save money, earn interest, and educate children about making smart money choices.
Learn more about our Kids Club Savings account
No Minimum Balance
No minimum deposit to open the account.
Compounded Interest
Quarterly compounded interest is paid on the average daily balance.
Additional Details
- Quarterly statements.
- Annual percentage yield and interest rates subject to change at any time.
Ask your First International Bank & Trust location about newsletters or special benefits that may be available.
Open Kids Club Savings Account