Personal Savings

At ANB Bank, we make saving easy with a variety of saving accounts for all stages of your life.

Personal Savings

A popular interest bearing account for those wanting to save for the future with the added convenience of ATM access. Account benefits include Online Banking, Mobile Banking, Mobile Deposit and eStatements.

Account Details
Minimum Opening Deposit: $100
Monthly Service Fee1 $3 monthly service fee OR $0 with a minimum balance of $100 or more
Interest Bearing2 Yes, with Interest Compounded and Credited Quarterly
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Included Benefits Online Banking3
Mobile Banking4
Mobile Deposit4
eStatements
Withdrawals Federal regulations limit certain types of withdrawals or transfers to another one of your accounts at ANB Bank or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per month. However, transfers and withdrawals made at the teller line or at an ATM are unlimited. If you exceed the six (6) withdrawals or transfers limited by federal regulations, there will be a $10 fee per occurrence. If this limit is exceeded regularly, this account can be closed.

Spare-Change Savings

A savings account that for individuals that will automatically transfer the difference between a Debit Card purchase and the next whole dollar amount from your checking account to your Spare-Change Savings account. Account benefits include a Online Banking, Mobile Banking, Mobile Deposit and eStatements.

Account Details
Minimum Opening Deposit: $25
Monthly Service Fee1 Free
Interest Bearing2 Yes, with Interest Compounded and Credited Quarterly
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VISA® Debit Card Must be linked to any ANB Checking Account
Included Benefits Online Banking3
Mobile Banking4
Mobile Deposit4
eStatements
Withdrawals Federal regulations limit certain types of withdrawals or transfers to another one of your accounts at ANB Bank or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per month. However, transfers and withdrawals made at the teller line or at an ATM are unlimited. If you exceed the six (6) withdrawals or transfers limited by federal regulations, there will be a $10 fee per occurrence. If this limit is exceeded regularly, this account can be closed.

Youth Savings (For individuals up to 18 years of age)

To help encourage savings for young individuals up to 18 years of age, this account will get these young savers off to a good start with a $10 initial deposit5.

Account Details
Minimum Opening Deposit: $0
Monthly Service Fee1 Free
Interest Bearing2 Yes, with Interest Compounded and Credited Quarterly
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Included Benefits Online Banking3
Mobile Banking4
Mobile Deposit4
eStatements
Withdrawals Federal regulations limit certain types of withdrawals or transfers to another one of your accounts at ANB Bank or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per month. However, transfers and withdrawals made at the teller line or at an ATM are unlimited. If you exceed the six (6) withdrawals or transfers limited by federal regulations, there will be a $10 fee per occurrence. If this limit is exceeded regularly, this account can be closed.

Money Management

For individuals who want high rates of return with the ability to write checks on the account. Account benefits include a VISA® Debit Card, Online Banking with Bill Pay, Mobile Banking, Mobile Deposit and eStatements.

Account Details
Minimum Opening Deposit: $100
Monthly Service Fee1 $10 monthly service fee OR $0 with a minimum balance of $1,000 or more
Interest Bearing2 Yes, Tiered based on balances
View rates
Included Benefits Online Banking with Bill Pay3
Mobile Banking4
Mobile Deposit4
eStatements
Withdrawals Federal regulations limit certain types of withdrawals or transfers to another one of your accounts at ANB Bank or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per month. However, transfers and withdrawals made at the teller line or at an ATM are unlimited. If you exceed the six (6) withdrawals or transfers limited by federal regulations, there will be a $10 fee per occurrence. If this limit is exceeded regularly, this account can be closed.

Certificates of Deposit (CD)

With competitive rates and relationship pricing for our customers, our Certificates of Deposit are a very attractive investment option. Account benefits include Online Banking and Mobile Banking.

Account Details
Minimum Opening Deposit: $1,000 with a variety of Maturities & Balances
Monthly Service Fee1 Free
Interest Bearing2 Yes, with Interest Compounded and Credited Quarterly
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Included Benefits Online Banking3
Mobile Banking4

Health Savings Account (HSA)

An account that you can put money into to save for future medical expenses. Contributions6 to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually.

Account Details
Minimum Opening Deposit: $100
Monthly Service Fee1 $3 monthly service fee
Account Set-up Fee $0
Interest Bearing2 Yes, with Interest Compounded and Credited Quarterly
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VISA® Debit Card Included
Advantages of HSAs Security – Your high deductible insurance and HSA protect you against high or unexpected medical bills.
Flexibility – You can use the funds in your account to pay for current medical expenses, including expenses that your insurance may not cover, or save the money in your account for future needs.
Savings – You can save the money in your account for future medical expenses and grow your account through investment earnings.
Portability – Accounts are completely portable, meaning you keep your HSA if you change jobs, change medical coverage, become unemployed, move to another state, or change your marital status.
Ownership – Funds remain in the account from year to year, just like an IRA. There are no "use it or lose it" rules for HSAs.
Tax Savings – Contributions to an HSA are fully deductible, the earnings grow tax deferred, and distributions for qualified medical expenses are tax free. Consult with your tax professional.

For more information on Health Savings Accounts, click here.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

1 See the Personal Miscellaneous Fee schedule for additional details.
2 See the Deposit Rate Sheet for current rates. Rates are variable and subject to change at any time.
3 Internet access required. Standard Internet Service Provider fees may apply.
4 Online Banking and internet access required. Smartphone requirements, text messaging fees, and other carrier charges may apply.
5 The $10 initial deposit is limited as one bonus per primary account holder. The bonus will be deposited in this account within 30 days of account opening. This bonus is considered interest and subject to tax reporting. 
6 Contributions to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually. If you make a contribution, you can deduct the contributions (even if you do not itemize deductions) when completing your federal income tax return. Contributions to the account must stop once you are enrolled in Medicare.