Savings & Money Market Accounts

We offer a choice of accounts that enable you to keep your short term savings liquid, FDIC-insured, and easily accessible. Compare the accounts below and choose which works best for you.

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The following table may not be read correctly by screen readers. For assistance, in comparing our savings and money market accounts, please call 1-866-422-6574

SAVINGS ACCOUNT
BENEFITS

EASY
SAVINGS

PREMIUM
SAVINGS

MONEY
MARKET

CDs AND
IRA CDs

Earn interest on your savings balances

Earn interest regardless of your balance.

Earn a competitive rate. Tiered interest rates to reward higher balances.

Earn our best rates. Tiered interest rates to reward higher balances.

Guaranteed rate for a fixed term.

Low minimum opening deposit

$50

$50

$2,500

$1,000 for Traditional CD's; $500 for IRA CD's

Option available to avoid monthly service charge1

Maintain an average daily balance of $250 to avoid monthly service charge. Account is free to Workplace Banking customers and under 18.

No minimum balance or monthly service charge. Must have a Premium Checking account.

Maintain an average daily balance of $5,000 or more to avoid service charge.

N/A

Free Online Banking, Mobile Banking Bill Pay

No annual fee debit card

N/A

Free access to SUMsm ATMs2

N/A

Ability to write checks

Check writing is not available.

Check writing is not available.

Check writing is not available.

Additional benefits

  • Free Automatic Savings program
  • No BankRI fees at ATMs worldwide3
  • No fee for savings overdraft transfers
  • Combined monthly statement with Premium Checking
  • Receive additional benefits available with your Premium Checking account
  • No BankRI fees at ATMs worldwide3
  • No fee for savings overdraft transfers

N/A

 

  1. Please refer to our Fee Schedule for current service charges. To calculate the average daily balance we add the principal amount in the account for each day of the period and divide by the number of days in the period.
  2. Owner of the ATM may charge a fee. BankRI foreign ATM fees still apply to some types of accounts, even at SUM Program ATMs. The SUM Program is administered by the NYCE® Corporation. SUM is a registered service mark of the NYCE® Corporation.
  3. Owner of the ATM may charge a fee.