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 North Dallas Bank & Trust Co. Utilizing our expansive savings account options, we devote ourselves to treating your money as well as you do.

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Personal Savings Select Savings Personal Money Market Health Savings

Eligibility Requirements

None

None

None

None

Minimum Balance to Open

$100

$100

$100

$100

Service Charge per Statement Cycle

$5

$15

$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 Crediting

Compounds daily;
Credited to the account quarterly

Compounds 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 APY

None

$2,500

$2,500

$1

Transaction Limitations

Limited to 6 withdrawals per month (Unlimited when in person, at an ATM, by mail or messenger)

Limited to 6 withdrawals per month (Unlimited when in person, at an ATM, by mail or messenger)

Limited to 6 withdrawals per statement cycle (Unlimited when in person, at an ATM, by mail or messenger)

Subject 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

None

None

Additional Features and Information

N/A

N/A

N/A

One-time setup fee of $25; If excess contributions are made, $20 fee imposed for distribution of any excess funds

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