SpiritBank - Personal Savings

Personal Savings Accounts

The greater your balance, the greater your reward. Earn higher interest with higher monthly balances with a SpiritBank Personal Savings account.

Tiered interest paid quarterly on average collected balance
A $2.00 charge and no interest paid if average collected balance falls below $100.00
$1.00 charge per withdrawal over six per quarter
$100 minimum balance

Call (918) 712-9292 or (405) 302-2000

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Minor Savings Accounts

Teach your children the importance of saving money.

No minimum opening deposit
Six free withdrawals per quarter (only $1.00 per withdrawal thereafter)
Interest paid quarterly at an adjustable rate

Call (918) 712-9292 or (405) 302-2000

Contact a SpiritBanker
Find Your Closest Branch

Health Savings Now Account (HSA)

In 2003, the Health Savings Account (HSA) was born when the Medicare Prescription Drug, Improvement, and Modernization Act was signed into law by President Bush.

This type of health care involves patients who have a high-deductible health insurance policy and an HSA. The idea behind it is that you pay for your own routine health care expenses with funds you've accrued in your HSA. Meanwhile, the high-deductible health insurance policy is used as more of a safety net -- it protects you from any catastrophic medical expenses. These types of insurance policies tend to have a dramatically lower monthly premium than low-deductible health insurance plans do.

How Much Money Can A Person Put In? Please consult the IRS website for annual contributions at irs.gov.

How Much Will Early Withdrawal Cost? All withdrawals are subject to income tax. There is also additional taxation for early withdrawal if you take out money for something besides medical expenses.

Interest is paid at rate adjusted by bank on average collected balance
Unlimited check writing
Minimum opening balance of $1,500
$15 annual check card fee
No interest paid if balance falls below $1,500

See if you are eligible
Call (918) 712-9292 or (405) 302-2000

Contact a SpiritBanker
Find Your Closest Branch

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