Savings Accounts

Save money, the easy way.

Earn an Annual Percentage Yield (APY) you’ll actually notice with an smiONE Savings Account.

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How it Works

How it Works

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Start planning ahead with an smiONE Savings Account that earns an APY higher than the national average¹. Applying only takes a few minutes and won’t impact your credit score.

If approved, you can transfer funds from your smiONE Card to Savings to start earning a 0.51% APY2 on every dollar up to $50,000. View more details on smiONE Savings interest rates.

To withdraw money from Savings, simply transfer funds back to your smiONE Card and visit an ATM to get cash3.

It’s that simple.

Features & Benefits

APY You'll Notice

Watch your balance grow with an above-average APY.

  • Earn a 0.51% APY — more than the national average.¹
  • Interest compounds daily and is credited monthly.

Simple Terms

Enjoy 0.51% APY on every smiONE Savings dollar up to $50,000.²

  • No monthly fees.
  • No minimum balance requirements.

Manage Your Savings

Use the mobile app or website to manage your Savings.

  • Transfer funds from your Card to Savings.
  • Transfer funds back to your Card.
  • Withdraw money transferred to your Card at the ATM.³
APY You'll Notice
Simple Terms
Manage Your Savings

How We Compare

Frequently Asked Questions

What is APY?
Am I eligible for an smiONE Savings Account?
Can I open a savings account online?
Are there any fees?
Is there a minimum balance or minimum opening deposit for an online savings account?
Are my funds FDIC-insured?
Can I get an smiONE Savings Account if I don’t have an smiONE Card?

Ready to Start Saving?

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1 The average national savings account interest rate of 0.46% is determined by FDIC as of April 15, 2024, based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/resources/bankers/national-rates/index.html to learn more.
2 The Annual Percentage Yield ("APY") for the smiONE Savings Account is variable and may change at any time. The disclosed APY is effective as of March 13, 2023. No minimum balance required. Must have $0.01 in Savings to earn interest.
3 There is no fee for the smiONE Savings Account, but a fee may apply to your smiONE Card Account when you withdraw funds at an ATM, including a third-party ATM operator fee. You must have an active smiONE Card Account with at least a $1.00 balance to open an smiONE Savings Account.
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