Savings Accounts

Start Saving Your Way

It doesn’t matter if you have a specific goal you’re saving for or if you just want to make sure you’re prepared for the unexpected, a savings account is the cornerstone of your finances. At Keystone Savings Bank, we give you options when choosing savings accounts so you can pick the one that works best for how you save. To start the process of opening an account, complete our online application.

Complete Our Account Application

Compare Our Accounts

	KEYSTONE SAVE	KEYSTONE KIDS SAVE	HOLIDAY SAVINGS	HEALTH SAVINGS
Choose this account if...	You want a traditional savings account to grow your savings	You want to teach your children the value of saving responsibly	You want an account that helps you save for holiday gift purchases throughout the entire year	You want to be prepared to pay for qualified medical expenses before your deductible kicks in
Minimum Deposit to Open	$20	No minimum deposit is needed to open this account	$20	$100
Minimum Balance Required to Avoid Service Charge	Minimum balance fee of $10 will be imposed every statement cycle if balance in the account falls below $20 any day of the statement cycle.	No minimum balance requirements apply.	If any withdrawal is made from this account before October 28th each year, the account is closed.	No minimum balance requirements apply.
Statement	Free E-Statements, $5 paper statement fee.	Free E-Statements or free paper statements.	Free E-Statements or free paper statements.	Free E-Statements or free paper statements.
Withdrawals	There will be a $10 debit items fee for each debit transaction in excess of six during a statement cycle.	There will be a $10 debit items fee for each debit transaction in excess of six during a statement cycle.	If any withdrawal is made from this account before October 28th each year, the account is closed.	None
Interest	Please contact your local branch and refer to our current rate sheet*.	Please contact your local branch and refer to our current rate sheet*.	Please contact your local branch and refer to our current rate sheet*.	Please contact your local branch and refer to our current rate sheet*.
Additional Requirements	Not Applicable.	Primary account owner must be 18 years or younger to open the account.	Limit to 1 account per primary SSN.	You must be enrolled in a High-Deductible Healthcare Plan to open the account   Account funds roll over from year to year.
Additional Information		At age 19, Keystone Kids Save Account will automatically change to a Keystone Save Account.	A check will be issued by the bank for all deposits made plus accrued interest on or around October 28th of each year.	The account is subject to limitations and/or penalties imposed by the Internal Revenue Service. Keystone Savings Bank does not provide tax or legal advice. Please contact a qualified tax or legal professional to determine your eligibility to establish an HSA.

*Your interest and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credit to your account every month (except the Holiday Account, which is compounded and credited annually). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Other fees such as return item charge, overdraft charge, etc. may apply. Sales tax may apply where applicable. See Common Features for details.