Smart planning begins with Smart Savings.
The math is simple - Dollar Bank's Smart Savings Account adds up.
- Earn up to a 4.25% APY - that's more than 10X the national savings rate*
- Comes with an Everything Checking Account
- Perfect for savers with up to a $25,000 balance
- No monthly service fee or minimum balance requirement
- The safety of FDIC insurance
View Account and Fee Information
Not sure which savings account is right for you? Compare our savings accounts.
Banking with Dollar Bank is easy.
A Smart Savings Account has convenient features that help you reach your financial goals.
Get paid up to two days early.**
With the Allpoint® ATM Network, access 55,000 free ATMs at convenient locations like Target®, Walgreens® and CVS®.***
Bank online or on the Dollar Bank Mobile App.
Maximize your savings with easy transfers from your checking account.
Deposit checks with a few taps on your phone.
Need help with your savings strategy?
Think about what you need to save for and what you want to save for. You need to save for emergencies and retirement, for example, but you may want to save for a new car, a house, a vacation, etc. If you have children, you may also want to start saving for their education. If you’re entrepreneurial, you may want to save toward launching a business. Whatever your goals may be, your saving strategy can include them all.
Our Be Dollar Wise blogs can guide you as you devise a plan.
*4.25% Annual Percentage Yield on Smart Savings balances up to $10,000. Balances between $10,000.01 and $25,000 will earn an APY ranging from 4.25% to 3.50% based on a rate of 3.00%. Balances above $25,000 will earn an APY ranging from 3.50% to 1.00% based on a rate of 1.00%. Rates may change after an account is opened. All rates are accurate as of 2/19/25 and are subject to change without notice. Fees may reduce earnings. Ask for an Account Information Schedule for deposit account details. $50 minimum to open. A valid Everything Checking Account is required to open and maintain a Smart Savings Account and the rates for Smart Savings require Everything Checking with eight qualifying monthly posted payments. Limit one Smart Savings Account per customer. For Dollar Bank’s market areas only. National average comparison was made based on rates as reported by the FDIC.gov on 2/18/25.
**Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
***Surcharges from other banks not in the Allpoint or Freedom Alliance Network may apply when using your debit Mastercard® or ATM card.
CVS is a trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.