Personal Savings

The smarter choice for a better tomorrow.

The money you have saved is more than just a simple dollar amount. It is a testament to your hard work and dedication. No one understands this more than NDBT. Utilizing our expansive savings account options, we devote ourselves to treating your money as well as you do.

Close up of customer filling out savings deposit or withdrawal slip

Personal Savings

The smarter choice for a better tomorrow.

The money you have saved is more than just a simple dollar amount. It is a testament to your hard work and dedication. No one understands this more than NDBT. Utilizing our expansive savings account options, we devote ourselves to treating your money as well as you do.

Personal Savings Account Options

NDBT currently offers the following variety of personal savings options. Each offers unique features to fit your personal banking style. All include access to your funds at any of our five North Texas bank center locations, through our online banking available via desktop or mobile app, and through more than 55,000 ATM locations nationwide.

Personal Savings

Start saving with just a $100 opening deposit. Personal savings has no transaction limitations and no minimum balance to earn interest.

  • Service Charge per Statement Cycle – $5
  • Minimum Daily Balance to Waive Service Charge – $100
  • Interest Compounds Daily; Credited to Account Quarterly
  • Interest Rate Not Tiered

                                     *additional fees may apply

Select Savings

Let your money work for you. Our tiered rates allow you to earn interest on your money as the balance increases.

  • Minimum Balance to Open – $100
  • Service Charge per Statement Cycle – $15
  • Minimum Daily Balance to Waive Service Charge – $2,500
  • Interest Compounds Daily; Credited to Account Monthly
  • Interest Rate Tiers – $2,500 – $49,999; $50,000 – $99,999; $100,000 – $249,999; $250,000 – $999,999; $1,000,000 and greater
  • Minimum Daily Balance to Earn Annual Percentage Yield – $2,500

                                          *additional fees may apply

Personal Money Market

Easy access to your money while still earning interest. A Personal Money Market account allows you up to three transfers per statement cycle at no charge.

  • Minimum Balance to Open – $100
  • Service Charge per Statement Cycle – $15
  • Minimum Balance to Waive Service Charge – $2,500 Average Daily Balance
  • Interest Accrues Daily; Credited to Account Monthly; Does Not Compound
  • Interest Rate Tiers – $2,500 – $9,999; $10,000 – $24,999; $25,000 – $49,999; $50,000 – $249,999; $250,000 – $999,999; $1,000,000 and greater
  • Minimum Daily Balance to Earn Annual Percentage Yield – $2,500

                                            *additional fees may apply

Health Savings

A Health Savings Account (HSA) is a personal savings account setup to allow you to save pre-tax dollars to pay for qualified medical expenses.

  • Minimum Balance to Open – $100
  • Service Charge per Statement Cycle – $2.25
  • Minimum Balance to Waive Service Charge – $500 Daily Balance
  • Interest Accrues Daily; Credited to Account Monthly; Does Not Compound
  • Interest Rate Tiers – $1-$499; $500-$2,499; $2,500-$9,999; $10,000 and greater
  • Minimum Daily Balance to Earn Annual Percentage Yield – $1

                   *subject to limitations/penalties imposed by IRS
                                       *additional fees apply

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Comparison Chart of Personal Savings Options

Personal SavingsSelect SavingsPersonal Money MarketHealth Savings
Eligibility RequirementsNoneNoneNoneNone
Minimum Balance to Open$100$100$100$100
Service Charge per Statement Cycle$5$10$15$2.25
Minimum Balance to Waive Service Charge$100 Daily Balance$2,500 Daily Balance$2,500 Average Daily Balance$500 Daily Balance
Interest Computation and CreditingCompounds daily; Credited to the account quarterlyCompounds daily;
Credited to the account monthly
Accrues daily;
Credited to the account monthly; Does not compound
Accrues daily;
Credited to the account monthly; Does not compound
Interest Rate Tiers Based on Daily Balance (Interest in each tier paid on the entire balance in the account)Rate Not Tiered$1,000,000 and greater
$250,000 - $999,999
$100,000 - $249,999
$50,000 - $99,999
$2,500 - $49,999
$1,000,000 and greater
$250,000 - $999,999
$50,000 - $249,999
$25,000 - $49,999
$10,000 - $24,999
$2,500 - $9,999
$10,000 and greater
$2,500 - $9,999
$500 - $2,499
$1 - $499
Minimum Daily Balance to Earn Disclosed Annual Percentage YieldNone$2,500$2,500$1
Transaction LimitationsNoneNoneNoneSubject to limitations/penalties imposed by IRS; Refer to HSA Agreement or tax advisor for more information
Excessive Withdrawal Fee$2 for each withdrawal after the first 3 per month$2 for each withdrawal after the first 3 per month$2 for each withdrawal after the first 3 per monthNone
Additional Features and InformationNoneNoneNoneOne-time setup fee of $25; If excess contributions are made, $20 fee imposed for distribution of any excess funds

Find an NDBT Banking Center and ATM near you.

Addison | Dallas | Frisco | Las Colinas | Plano

Open your personal savings account today.

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