BankDirect Customer Support will be closed for Independence Day on Monday, July 5, 2021. We will be back to our normal 8:00 AM to 6:00PM customer support hours on Tuesday, July 6, 2021.

We have scheduled an enhancement for our website on Thursday, July 8th, starting at 5:30pm CDT to approximately Thursday, July 8th, at 7:30pm CDT. During this time, our website, sign up and online banking experiences may not be available and/or have reduced functionality.

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Savings & Money Markets

    Money Market Account

    Money Market Account Plus provides the liquidity and convenience of a checking account, plus competitive interest rates.

    Zero

    dollars to open

    High-yield interest

    paid on collected balances of $10,000.00 and above.

    $0

    monthly fee

      • Zero dollars to open

      • Interest compounded daily

      • Interest paid on collected balances of $10,000.00 and above

      • Six (6) transactions per month, all of which can be withdrawals by check, draft or made by the depositor and payable to third parties

      • $10.00 fee per transaction for excess transactions

      • Checks upon request; first order of 40 personalized checks free

      • Free Visa® CheckCard for ATM withdrawal

      • Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)

      • Unlimited ATM withdrawals without penalty (ATM withdrawals do not count against the six-transaction limit)

      Due to the transaction limitations noted above, online Bill Pay and POS transactions are not available to Money Market Account holders.

      Rates

      account level annual % yield monthly fee
      Money Market $0.00 to $9,999.99 0.00% None
      Money Market $10,000.00 and above     0.50% None

      To view the BankDirect fee schedule, click here.

      Transaction limitations: Transfers from a Money Market Plus to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties. Fees: Money Market Accounts that have a collected balance less than $10,000.00 will be charged a monthly service fee of $10.00. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the above limitations.

      From time to time, we may elect to discontinue offering a product or service to new customers. Under such circumstances, you acknowledge and agree that we may continue to offer such product or service to our current customer base, at our discretion. Furthermore, such customer acknowledges and agrees that we reserve the right to modify the features of any product or service, including, but not limited to, applicable service charges and fees.

      *An Annual Percentage Yield is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.

      Note: Rates for variable rate accounts (Checking, Savings, MMA) are subject to change once account is opened. Fees are based on average ledger balance for the statement cycle.

      For a complete list of our banking disclosures, please click here.

      Regular savings account

      Keep a high balance in a regular savings account and earn more interest — while also enjoying the ability to simply transfer money to your checking with interest account when you need to pay bills.

      Zero

      dollars to open

      Overdraft Protection

      Link to your BankDirect checking account to avoid overdraft.

      $0

      monthly fee

        • Zero dollars to open

        • Interest compounded daily

        • Interest paid on collected balances

        • Six (6) transactions (transfers or withdrawals) per month — ATM transactions do not count against this transfer/withdrawal limitation

        • Two (2) withdrawals at no charge; $2.00 charge per withdrawal for additional withdrawals

        • Free Visa® CheckCard for ATM withdrawal (upon request)

        • Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)

        Rates

        Account level annual % yield monthly fee
        Savings 0.10% None

        To view the BankDirect fee schedule, click here.

        *An Annual Percentage Yield is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.

        Note: Rates for variable rate accounts (Checking, Savings, MMA) are subject to change once account is opened.

        For a complete list of our banking disclosures, please click here.