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Compare Savings Accounts

Find the Savings Account that Fits Your Needs.

Whether it’s a regular savings account, money market savings or a business savings account, we have what you need at First International Bank & Trust.

Open Account*

*First Money Market and all Business Savings accounts are not available to open online at this time.

  • Compare Personal Savings Accounts

     Regular SavingsFirst Money MarketHealth Savings AccountSpecial Age SavingsChristmas Club Savings
    Opening Balance

    None

    $1,000

    Compounds Monthly

    None

    None

    Service Charge

    None5

    $15 per month if balance falls below $1,000 minimum for Service Charges and / or Interest

    $3 per Month if Balance falls below $200 Average Quarterly Balance

    None

    None

    Minimum Balance for Service Charges and/or Interest

    $200

    $1,000

    $2,500 after the First Year

    None5

    None

    Statement Frequency

    Quarterly

    Quarterly

    Quarterly

    Quarterly

    Quarterly

    Earns Interest

    Yes2

    Yes2

    Yes2

    Yes2

    Yes2

    Visa Debit & ATM (Check & Cash) Card

    FREE ATM Card

    None

    None

    FREE ATM Card

    None

    Mobile Banking

    Free4

    Free4

    Free4

    Free4

    None

    Online Banking and Bill Pay

    Free

    Free

    Free

    Free

    Free

    eStatements

    Free

    Free

    Free

    Free

    Free

    Check Writing

    None

    Yes

    None

    None

    None

    Checks

    None

    Fee (depending on the style of checks ordered)

    None

    None

    None

    Check Images

    N/A

    No

    N/A

    N/A

    N/A

    First International Bank & Trust ATM Access

    Free

    None

    None

    Free

    None

    Non First International Bank & Trust ATM Access

    Fees may be reversed4

    None

    None

    Fees may be reversed4

    None

    Other

    Only 6 pre-authorized withdrawals, automatic or telephone transfers per month. In person transactions are not limited.

    Only 6 pre-authorized withdrawals, automatic or telephone transfers per month. In person transactions are not limited.

    Unlimited withdrawals for authorized health care expenses.

    Only 6 pre-authorized withdrawals, automatic or telephone transfers per month. In person transactions are not limited.

    Account matures November 15th so term varies. If funds are withdrawn before maturity the account will be closed and all interest earned will be forfeited. At maturity the balance in the account must be transferred to another FIRST INTERNATIONAL BANK & TRUST account.

  • Compare Business Savings Accounts

     Business SavingsBusiness First Money Market
    Opening Balance

    None

    $1,000

    Service Charge

    $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

    Additional Charges

    None

    Exceeding the transaction limitation is prohibited by regulation and will result in a $5 fee for each over-limit transaction.

    Minimum Balance for Service Charges and/or Interest

    $200

    $1,000

    Statement Frequency

    Quarterly

    Monthly

    Earns Interest

    Yes1

    Yes2

    Visa Debit & ATM (Check & Cash) Card

    Free

    None

    Mobile Banking

    Free4

    Free4

    Online Banking and Bill Pay

    Free

    Free

    eStatements

    Free

    Free

    Check Writing

    None

    Yes

    Checks

    None

    Free (depending on the style of checks ordered)

    Check Images

    N/A

    No

    First International Bank & Trust ATM Access

    Free

    None

    Non First International Bank & Trust ATM Access

    Fees may be reversed3

    None

    Other

    Only 6 pre-authorized withdrawals, automatic or telephone transfers per month. In person transactions are not limited.

    Only 6 pre-authorized withdrawals, automatic or telephone transfers per month. In person transactions are not limited.