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At Eastern Michigan Bank, we offer a variety of products to help you meet your short and long term personal savings goals. Personal short term savings options include basic savings accounts, money market accounts and health savings accounts (HSAs). Personal long term savings options include individual retirement accounts (IRAs) and certificates of deposit(CDs). 

To open an account, stop in to an Eastern Michigan Bank branch near you or get started now with our online Product Inquiry Form. Click here to find a location near you.


Scroll to the right to view the rest of the table.
 

Basic
Savings

Prestige
Money Market

Health
Savings Account (HSA)

365 Club Account

Sunny
Savers Youth Account

Minimum Opening Deposit

$10

$2,500

$50

$10

$10

Min. Balance Requirements

$100

$2,500




Service Charge1

$7/quarter

$10/month




Earns Interest






Interest Rate Tiers


4 tiers2

4 tiers2



Minimum to Earn Interest

$200


$100



Free ATM Transactions






ATM/Debit Card3






Online Banking






Telephone Banking






Additional Benefits


Check writing privileges



Free piggy bank

Savings Accounts and Federal Regulation D

Federal regulation limits the number of withdrawals and/or transfers that may be made from any savings or money market account by check, debit card or other electronic means to a combined total of six per statement cycle. Any withdrawal or transfer over the limit, regardless of the method, will result in an excess transaction fee. Repeatedly exceeding the limit may result in your account type being changed or possibly even closed. 

 
1Quarterly and monthly service charges are separate from Dormant Account Fees. Any savings account that has no activity for 12 consecutive months will be subject to a $7.00 per month Dormant Account Fee.

2Interest rate tiers are as follows:

  • $100,000 - $100,000+
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499


3Debit card subject to approval

 

View Current Deposit Account Rates




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