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 and enjoy unlimited in-person withdrawals.
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 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.
- Minimum Opening Deposit: $25
Open Regular Savings Account
Truth in Savings Disclosure 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 $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 $999,999.99
- Tier 5: Balances of $1,000,000 to $2,499,999.99
- Tier 6: Balances of of $2,500,000 and up.
Additional Information
- Convenient Online 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
- Up to 6 preauthorized or automatic withdrawals or transfers, checks, drafts, debit or other similar transactions from this account per monthly statement cycle
Open Money Market Account
Truth in Savings Disclosure 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 $999,999.99
- 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
- Up to 6 preauthorized or automatic withdrawals or transfers, checks, drafts, debit or other similar transactions from this account per monthly statement cycle
Open Premium Market Account
Truth in Savings Disclosure Premium Money Market Account
Savings Accounts at a Glance
| | Regular Savings | First Money Market | Premium Money Market |
|---|
| Opening Balance | $25 | $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 | $15 per month if balance falls below minimum for service charges and/or interest |
| Transaction Charges | N/A | Only 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit. | Only 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit. |
| Minimum Balance for Service Charges | $200 | $1,000 | $1,000 |
| Minimum Balance to Earn Interest | None | None | $25,000 |
| Statement Frequency | Quarterly | Monthly | Monthly |
| Earns Interest | Yes1 | Yes2 | Yes2 |
| Mobile Banking | Free4 | 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:
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.
Deposit as much or as little in your account as you want. A minimum opening deposit of $25 is required to open the account.
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
Truth in Savings Disclosure Christmas Club Savings Account
Health Savings Account
Pay for medical expenses using pre-tax, HSA dollars
An HSA Paired with a qualified health plan allows you to make tax-free contributions to a federally insured savings account. HSA qualified plans typically cost less than traditional plans, and the money saved can be placed in your HSA to earn tax-free interest.
Apply Now or Explore HSAs