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This is the companion savings account to our Ultimate Rewards Checking account; both earn a preferred rate of interest when monthly qualifications are met

  • Important note: this account may only be opened by customers with an Ultimate Rewards Checking account since monthly rewards (interest and/or ATM fee refunds) from that account are conveniently transferred into this account for saving at the end of each monthly statement cycle
  • When Ultimate Rewards Checking monthly qualifications are met, this account also earns a preferred, or higher, rate of interest
  • When Ultimate Rewards Checking monthly qualifications are not met, this account still earns a base level of interest
  • MINIMUM DEPOSIT TO OPEN:  $50
  • MINIMUM BALANCE TO AVOID MONTHLY FEE:  n/a
  • MONTHLY FEE:  none
  • INTEREST:  one variable rate of interest is paid monthly using the daily balance computation method, according to the following terms (click here to see Current Rates):
    • When "qualified," one preferred rate for entire balance
    • When not "qualified," one base rate for the entire balance
  • STATEMENTS:  electronic statements only
  • Personal accounts only
  • FDIC insured up to the maximum legal limits
  • Important note: enrollment in electronic statements requires an active online banking login

Also includes:

  • FREE ATM card or debit card with Purchase Rewards feature
  • FREE Banking Your Way:  Internet banking / online bill pay / mobile app banking with SnapCheck! mobile check deposit / text message banking / 24-hour Touch Tone Teller / free use of all BOB ATMs
  • FREE Account Matchup Service:  After 3 consecutive months of not "qualifying" for any reason, account will be converted automatically to most appropriate account for customer
  • REFER-A-FRIEND Benefit:  Earn $40 for you and $40 for your friend each time you send BOB another customer!  (Limit of 10 paid bonuses per person per year)
  • COURTESY OVERDRAFT Consideration:  Find out if you are eligible for this program designed to pay checks and electronic items that would otherwise be returned for insufficient funds