Monthly Maintenance Fee

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

ATM Fee: In-Network

ATM Fee: Out-of-Network

Verification Documents Required

Blank Personal Check and/or Debit Card

Income Statement

Balance Sheet

Cash Flow Statement

Business Tax Return

Employer Identification Number

Driver License (or other photo ID)

Proof of citizenship/residence (Green Card)

Recent Pay Stubs

Proof of Income

Requires a Cosigner

Business Financial Statements

Proof of Graduation

Loan Payoff Statements

Proof of Identity

Proof of Residence

Proof of Insurance

References

Business Formation Documents

Government Issued Photo ID

U.S. Tax Identification Number

Recent Bank Statements

Social Security Number

Immigration Status Considered

U.S. Temporary Resident Visa Holders

U.S. Citizen

U.S. Permanent Resident

Non-Resident

Non-Residents Through Entities Incorporated in the U.S.

Disclaimer

Max. Cost Per Click

Max. Cost Per Lead

Max. Pay Per Call

About

Account Features

Member FDIC

Check Writing

Online-Only Account

Teen Checking Account

Expense Management

Tax Tools

Student Checking Account

Joint Accounts

Rewards

Does not support direct deposits

Investment and Savings hybrid

Tiered-rate Account

Linked Savings Account

No ATM Access

Free Bill Pay (Standard Delivery)

No ATM Fees

Free Bill Pay

Mobile Check Deposit

No Monthly Maintenance Fee

Interest Bearing Account

ATM Reimbursement

Nationwide ATM Network

Check Images with Statement

Mobile Banking

Fraud Monitoring

Debit Card Lock/Unlock

Fraud Protection

Soft Credit Pull

IRAs

Debit Card

Automatic Transfers

Get Paid Early

Bauer Financial A+/A Rating

Insured by NCUA

Branch Access

No Rollover Fee

Returned Deposit Fee (Domestic)

APY (Annual Percentage Yield)

Minimum Balance to Earn APY

Minimum Opening Deposit

Issuing Institution

Cashback Rewards

Pro1

Key Takeaway 1

Key Takeaway 2

Institution Type

Direct Lender

Marketplace Lending Platform

Other Institution

Broker

Nonbank Financial Service Provider

Bank

Credit Union

Community Bank

Bank Partnership

Business Hours (PST) - Friday

FDIC Insured

Time Zone

New York (Eastern Time)

Chicago (Central Time)

Denver (Mountain Time)

Phoenix (Mountain Time no DST)

Los Angeles (Pacific Time)

Anchorage (Alaska Time)

Honolulu (Hawaii-Aleutian Time)

London (Greenwich Mean Time)

Berlin (Central European Time)

Moscow (Moscow Time)

Shanghai (China Time)

Manila (Philippine time)

FDIC Certificate Number

Support Options

Online Knowledge Base

Phone Support

Online Chat Support

Email and Ticketing

Local Branches

Social Media

Deposit Insurance

Member SIPC

Login URL

Is Save Market Savings right for you? Discover its key features and pros & cons before you decide.

Save Market Savings Reviews (2024)

{{>oob_notice}}

{{#if features.account_features.feature_options.[Investment and Savings hybrid]}}
{{parent_business_name}} is {{#if parent_business.features.institution_type.feature_options.bank}}a bank{{/if}}
  {{#if parent_business.features.institution_type.feature_options.[broker]}}a licensed broker{{/if}}
  {{#if parent_business.features.institution_type.feature_options.credit_union}}a credit union{{/if}}
  {{#if parent_business.features.institution_type.feature_options.direct_lender}}a direct lender{{/if}}
  {{#if parent_business.features.institution_type.feature_options.marketplace_lender}}a marketplace lending platform{{/if}}
  {{#if parent_business.features.institution_type.feature_options.[Nonbank Financial Service Provider]}}a nonbank financial services provider{{/if}} founded in {{established}} and based in {{addr_city}}, {{addr_state}}. {{business_name}} is a hybrid product and service that includes a deposit account linked to an investment product.{{#if features.bank_partnership.feature_value}} The deposit account portion is provided by {{features.bank_partnership.feature_value}}. Customer funds will be deposited into non-interest-bearing accounts at {{features.bank_partnership.feature_value}}. The investment portion of the product and service is provided by {{parent_business_name}}. {{parent_business_name}} nor its investment affiliates, are a bank.{{/if}} {{business_name}} {{#ifCond category_name '==' 'Mortgage Brokers'}}services are{{else}}is{{/ifCond}} available in 
  {{#if features.states_offered.feature_options.DC}}{{math features.states_offered.selected_option_count "-" 1}} states (and Washington, DC).
  {{else}}
    {{features.states_offered.selected_option_count}} state{{#ifCond features.states_offered.selected_option_count '>' 1}}s{{/ifCond}} across the USA.{{/if}}
   {{else}} 

{{>product_basic_intro}}{{/if}}

<h2 class="content-title">Key Takeaways</h2>
{{>takeaways_aggregate_savings_accounts}}
<h2 class="content-title">{{>seo_keyword}} Pros & Cons</h2>
{{>proscons_aggregate_savings_accounts}}
<h2 class="content-title">{{>seo_keyword}} FAQ</h2>
{{>product_deposits_insured}}

<h2>Does {{parent_business_name}} offer a signup bonus?</h2>
{{#if features.signup_bonus.feature_value}}
    <p>{{>seo_keyword}} has a signup bonus of {{currency features.signup_bonus.feature_value}}{{#if features.signup_deposit_requirement.feature_value}} with a {{currency features.signup_deposit_requirement.feature_value}} deposit.{{else}}.{{/if}}</p>
{{else}}
    <p>{{>seo_keyword}} doesn't offer a signup bonus.</p>
{{/if}}

<h2>What is the minimum initial deposit for {{>seo_keyword}}?</h2>
{{#if features.minimum_initial_deposit.feature_value}}
	{{#ifCond features.minimum_initial_deposit.feature_value '>' 0}}
    The minimum deposit to open a {{>seo_keyword}} is {{currency features.minimum_initial_deposit.feature_value}}.
	{{else}}
    There is no minimum deposit to open a {{>seo_keyword}}. 
    {{/ifCond}}
{{/if}}
{{>category_table feature_category="account-minimums"}}

<h2>What APY{{#if features.apy.custom_disclaimer_data.value}}*{{/if}} does {{business_name}} offer?</h2>
{{#if features.apy.feature_value}}
	{{#ifCond features.apy.feature_value '==' features.apy.feature_value2}}
		{{#ifCond features.apy.feature_value '==' 0}}
			<p>{{>seo_keyword}} is not an interest-bearing account. In other words, it doesn't pay an interest on your savings.</p>
		{{else}}
			<p>{{>seo_keyword}} offers an APY of {{features.apy.feature_value}}% (APY stands for annual percentage yield, rates may change).
				{{#ifCond features.apy.feature_value '>' 1}} This is higher than the typical APY for online-only savings accounts, which is around 1% APY.{{/ifCond}}</p>
				The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. 
		{{/ifCond}}
	{{else}}
		<p>{{>seo_keyword}} offers a variable APY{{#if features.apy.custom_disclaimer_data.value}}*{{/if}} {{#if features.apy.feature_value}}starting from {{features.apy.feature_value}}% {{/if}}{{#ifCond features.apy.feature_value2 '>' 0}}and ranging up to {{features.apy.feature_value2}}%{{/ifCond}}{{#if features.account_features.feature_options.[Investment and Savings hybrid]}} based on your market-driven investment returns.{{else}} (APY stands for annual percentage yield, rates may change).{{/if}} {{#ifCond features.apy.feature_value '>' 1}} This is higher than the typical interest rate for online-only savings accounts, which is around 1% APY.{{/ifCond}}</p>
	{{/ifCond}}
{{else}}
	{{#if features.apy.feature_value2}}
		<p>{{>seo_keyword}} offers an APY {{#ifCond features.apy.feature_value2 '>' 0}} up to {{features.apy.feature_value2}}%{{/ifCond}} (APY stands for annual percentage yield, rates may change). {{#ifCond features.apy.feature_value2 '>' 1}} This is higher than the typical interest rates for online-only savings accounts, which is around 1% APY.{{/ifCond}}</p>
	{{else}}
		<p>{{>seo_keyword}} is not an interest-bearing account.</p>
	{{/if}}
{{/if}}
		
<h2>What fees does {{>seo_keyword}} charge?</h2>
{{#ifCond features.monthly_fee.value '==' 0}}<p>{{>seo_keyword}} does not charge a monthly service fee. See the <a href="#fees">fee breakdown</a> section below to view all fees.</p>{{/ifCond}}

<p>{{#ifCond features.monthly_fee.value '>' 0}}This account charges a monthly service fee of {{currency features.monthly_fee.feature_value}}. {{/ifCond}}{{#ifCond features.minimum_balance.value '>' 0}}However, you can waive the monthly fees if you have a minimum daily balance of {{currency features.minimum_balance.feature_value}}. {{/ifCond}}{{#ifCond features.min_direct_deposit_for_monthly_fee_waiver.value '>' 0}}Avoid the monthly fees by setting up a direct deposit of at least {{currency features.min_direct_deposit_for_monthly_fee_waiver.feature_value}}.{{/ifCond}}{{#ifCond features.minimum_combined_balance_to_avoid_maintenance_fee.value '>' 0}}You can also waive the fee by keeping a combined balance of {{currency features.minimum_combined_balance_to_avoid_maintenance_fee.value}}.{{/ifCond}}</p>

<ul>
	{{#if features.bank_teller_fee.feature_value}}
		{{#ifCond features.bank_teller_fee.value '>' 0}}
			<li>A bank-teller fee of {{currency features.bank_teller_fee.feature_value}}. Think twice before visiting a branch of this bank. This fee is triggered when you use a human teller instead of processing a transaction online or on an ATM.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.bank_transfer__national_.feature_value}}
		{{#ifCond features.bank_transfer__national_.feature_value '>' 0}}
			<li>Outgoing domestic bank transfers come with a ${{features.bank_transfer__national_.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.national_bank_transfer__incoming_.feature_value}}
		{{#ifCond features.national_bank_transfer__incoming_.feature_value '>' 0}}
			<li>Incoming domestic bank transfers come with a ${{features.national_bank_transfer__incoming_.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.bank_transfer__international_.feature_value}}
		{{#ifCond features.bank_transfer__international_.feature_value '>' 0}}
			<li>Outgoing international bank transfers come with a ${{features.bank_transfer__international_.feature_value}} fee. You can save a ton of money in fees if you use use a nonbank <a href="/reviews/money-transfer-services">money transfer service</a>.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.international_transaction_fee__incoming_.feature_value}}
		{{#ifCond features.international_transaction_fee__incoming_.feature_value '>' 0}}
			<li>Incoming international bank transfers come with a ${{features.international_transaction_fee__incoming_.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
   
	{{#if features.check_cashing_fee.feature_value}}
		{{#ifCond features.check_cashing_fee.value '>' 0}}
			<li>Cashing a check will trigger a {{currency features.check_cashing_fee.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
   
	{{#if features.check_copy.feature_value}}
		{{#ifCond features.check_copy.value '>' 0}}
			<li>Requesting a copy of a check will cost you {{currency features.check_copy.feature_value}}.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.check_image_service.feature_value}}
		{{#ifCond features.check_image_service.value '>' 0}}
			<li>If you want to receive a scanned image of a check, you will need to pay a {{currency features.check_image_service.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
   
	{{#if features.early_account_closure.feature_value}}
		{{#ifCond features.early_account_closure.value '>' 0}}
			<li>{{>seo_keyword}} charges a {{currency features.early_account_closure.feature_value}} fee for an early account closure. Contact {{>seo_keyword}} for more details on what is considered an early closure.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.foreign_transaction_fee.feature_value}}
		{{#ifCond features.foreign_transaction_fee.value '>' 0}}
			<li>Purchases with your debit card in a foreign currency get hit with a {{currency features.foreign_transaction_fee.feature_value}}.</li>
		{{/ifCond}}
	{{/if}}
   
	{{#if features.in-network_atm_fee.feature_value}}
		{{#ifCond features.in-network_atm_fee.value '>' 0}}
			<li>A withdrawal from an in-network ATM has a {{currency features.in-network_atm_fee.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.out-of-network_atm_fee.feature_value}}
		{{#ifCond features.out-of-network_atm_fee.value '>' 0}}
			<li>If you withdraw cash from an out-of-network ATM you will be charged a {{currency features.out-of-network_atm_fee.feature_value}} fee.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.lost_debit_card_fee.feature_value}}
		{{#ifCond features.lost_debit_card_fee.value '>' 0}}
			<li>If you lose your debit card, get ready to pay a {{currency features.lost_debit_card_fee.feature_value}} charge.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.minimum_balance_fee.feature_value}}
		{{#ifCond features.minimum_balance_fee.value '>' 0}}
			<li>If your balance drops below the minimum, you will have to pay a charge of {{currency features.minimum_balance_fee.feature_value}}.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.nsf_fee.feature_value}}
		{{#ifCond features.nsf_fee.feature_value '>' 0}}
			<li>Keep an eye on your balance when making payments. There is a {{currency features.nsf_fee.feature_value}} non-sufficient funds fee. Don't confuse a nonsufficient funds (NSF) fee and an overdraft fee. The NSF is charged when your account is overdrawn and you did not opt for overdraft protection on your account.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.online_bill_pay.feature_value}}
		{{#ifCond features.online_bill_pay.feature_value '>' 0}}
			<li>{{>seo_keyword}} offers online Bill Pay but there is a {{currency features.online_bill_pay.feature_value}} charge.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.overdraft_item_fee.feature_value}}
		{{#ifCond features.overdraft_item_fee.feature_value '>' 0}}
			<li>An overdraft on your account will trigger a {{currency features.overdraft_item_fee.feature_value}} fee per item.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.overdraft_protection_fee__per_transfer_.feature_value}}
		{{#ifCond features.overdraft_protection_fee__per_transfer_.feature_value '>' 0}}
			<li>If you purchase overdraft protection, you will need to pay {{currency features.overdraft_protection_fee__per_transfer_.feature_value}} for every transfer required.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.paper_statement_fee.feature_value}}
		{{#ifCond features.paper_statement_fee.feature_value '>' 0}}
			<li>{{>seo_keyword}} charges {{currency features.paper_statement_fee.feature_value}} every time you request a paper statement.</li>
		{{/ifCond}}
	{{/if}}
	{{#if features.stop_payment_fee.feature_value}}
		{{#ifCond features.stop_payment_fee.feature_value '>' 0}}
			<li>Stop payment orders cost {{currency features.stop_payment_fee.feature_value}} a pop.</li>
		{{/ifCond}}
	{{/if}}
</ul>
{{#if features.overdraft_item_fee.feature_value}}
	<h3>Does {{>seo_keyword}} charge overdraft fees?</h3>
	{{#ifCond features.overdraft_item_fee.feature_value '>' 0}}Yes, {{>seo_keyword}} charges a {{currency features.overdraft_item_fee.feature_value}} overdraft fee.{{else}}No, {{>seo_keyword}} does not charge overdraft fees.{{/ifCond}}
	{{#ifCond features.overdraft_protection_fee.feature_value '>' 0}}<p>{{>seo_keyword}} offers overdraft protection at a cost of {{currency features.overdraft_protection_fee.feature_value}} per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.{{/ifCond}}
{{/if}}

{{#if features.account_features.feature_value}}
<h2>What features and perks does {{>seo_keyword}} offer?</h2>
<p>This savings account includes the following features:</p>
<ul>
  {{#if features.account_features.feature_options.[Automatic Savings]}}
    <li><strong>Automatic transfers</strong> - Set up automatic transfers from your checking account to a savings account, and you'll never forget to deposit your monthly savings again.</li>
  {{/if}}
  {{#ifCond features.signup_bonus.feature_value '>' 0}}
    <li><strong>Signup bonus -</strong> Open an account and you may receive a signup bonus of up to ${{features.signup_bonus.feature_value}}{{#if features.signup_deposit_requirement.feature_value}} if you deposit a minimum of {{currency features.signup_deposit_requirement.feature_value}}.{{else}}. See offer page for more details.{{/if}}</li>
  {{/ifCond}}
  {{#if features.account_features.feature_options.[ATM Reimbursement]}}
    <li><strong>ATM reimbursement -</strong> This account provides ATM access and will reimburse you for the ATM fees charged by other networks{{#if features.atm_reimbursement_limit.feature_value}} up to a monthly maximum of {{currency features.atm_reimbursement_limit.feature_value}}.{{else}}.{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Check Images with Statement]}}
    <li><strong>Check images with monthly statement -</strong> Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks for each statement period.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Free Debit Card]}}
    <li><strong>Free debit card -</strong> Enjoy the convenience of a debit card without the extra fees. Debit cards make it easier to control your spending because unlike credit cards you can only spend what you already have in your account. {{#if features.account_features.feature_options.[Debit Card Lock/Unlock]}}{{>seo_keyword}} also allows you to lock and unlock your debit card if it's stolen or lost. {{#if features.account_features.feature_options.[Visa/Mastercard]}} Eligibile customers can also apply for a credit card with {{>seo_keyword}} and link it to their account.{{/if}}{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Fraud Monitoring]}}
    <li><strong>Fraud monitoring -</strong> {{>seo_keyword}} monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Free Bill Pay]}}
    <li><strong>Free Online Bill Pay -</strong> Online Bill Pay allows you to pay bills easily from your account.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Get Paid Early]}}
    <li><strong>Get paid early -</strong> If you set up direct deposit with your employer and request this service, you can collect your salary early.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Mobile Banking]}}
    <li><strong>Mobile Banking Services -</strong> {{>seo_keyword}} allows you to manage your money online or with a mobile app.{{#if features.account_features.feature_options.[Mobile Check Deposit]}} This includes depositing checks in your account with a mobile app on your smartphone.{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Nationwide ATM Network]}}
    <li><strong>Nationwide ATM network -</strong> Conveniently transact at a nearby ATM.</li>{{/if}}
  {{#if features.account_features.feature_options.[Savings]}}
    <li><strong>Savings account -</strong> {{>seo_keyword}} allows you link your checking account to a savings account. Connecting your checking account to a savings account reduces friction and makes it easier to put aside money toward savings on a regular basis.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Soft Credit Pull]}}
    <li><strong>Soft credit pull -</strong> {{>seo_keyword}} performs a soft credit pull so you can check whether you qualify without hurting your credit.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Zero Liability Policy]}}
    <li><strong>Zero liability policy -</strong> You will never be held responsible for unauthorized transactions made from your account or using your account information.</li>
  {{/if}}
{{/if}}
</ul>

<h3>Can you set up a direct deposit to {{>seo_keyword}}?</h3>
{{#if features.account_features.feature_options.[Does not support direct deposits]}}
<p>No {{>seo_keyword}} does not support direct deposits.</p>
{{else}}
<p>Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.</p>
{{/if}}

{{#if support_email}}
<h3>What is the customer support email for {{>seo_keyword}}?</h3>
<p>The customer support email for {{>seo_keyword}} is <a href="mailto:{{{support_email}}}">{{support_email}}</a>.
{{/if}}

{{#if features.login_url.feature_value}}
<h3>What is the customer login page for {{>seo_keyword}}?</h3>
<p>This is the customer login page for <a href="{{features.login_url.feature_value}}">{{>seo_keyword}}</a>.
{{/if}}

{{#ifCond total_vote_count ">" 4}}
<h3>How do people rate the customer service and user experience of {{>seo_keyword}}?</h3>
<p>Overall, {{>seo_keyword}} is {{nps_rating_lc}} based on community reviews that rate customer service and user experience.
{{/ifCond}}


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