Personal 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

	Economy Savings Account	Youth Savings Account	Holiday Savings Account	Health Savings Account
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
Opening Deposit	$20	No minimum deposit is needed to open this account	$20	No minimum deposit is needed to open this account
Minimum Balance Requirement	$20	None	If any withdrawal is made from this account before October 28^th each year, the account is closed	None
Fees	$3 monthly fee for paper statements (E-Statements are free) $8.50 per debit fee for each debit in excess of four (4) during statement cycle $8.50 minimum balance fee if account falls below $20 during statement cycle	$7.50 per debit fee for each debit in excess of four (4) during statement cycle	None	None
Additional Benefits	Free Online & Mobile Banking Earn Competitive Interest	You must be 18 years old or younger to open our Youth Savings Account At age 19, the Youth Savings Account changes to our Economy Savings Account	A check will be issued by the bank for all deposits made, plus accrued interest, on or about October 28^th each year Limit of one account per person Earn Competitive Interest	You must be enrolled in a High-Deductible Healthcare Plan to open the account Account funds roll over from year to year Earn Competitive Interest 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.