Basic savings - Personal
Personal Savings Accounts
Simple, Flexible, and Designed to Help You Grow
Take the first step toward your financial goals with the City Bank Basic Savings Account—an easy-to-manage personal savings account that helps you build your future, your way. With a low minimum balance, competitive interest rates, and free digital banking tools, it’s never been easier to save smart and stay in control.
Key Features of the Basic Savings Account
- Low Minimum Opening Deposit
Open your personal savings account with just $100.00.
Start saving today with an account that’s accessible and affordable for everyone—perfect for beginners or anyone ready to take control of their financial future.
- Avoid Monthly Service Charges
Maintain a $100.00 minimum balance to:
- Waive the $2.00 monthly service fee
- Earn the Annual Percentage Yield (APY) on your savings
It’s a simple way to grow your money without worrying about hidden fees.
- Flexible Withdrawals
You’re in control of your savings.
- Make up to 3 withdrawals per quarter with no fees
- Additional withdrawals are just $2.00 each
Enjoy flexibility while keeping your savings on track.
- Competitive Interest Rates
Watch your money grow.
Earn interest at a competitive rate, helping you reach your savings goals faster—whether it’s an emergency fund, vacation, or future purchase.
- Convenient Online Access
Manage your savings on your schedule.
- Free 24/7 online banking and bill pay
- Track balances, transfer funds, and more—from anywhere, anytime
- Mobile & Telephone Banking
Stay connected to your savings with:
- Free mobile banking app
- Access 24 telephone banking for real-time balance checks and transfers
Bank how you want—whether you’re at home or on the go.
Advantages of the Basic Savings Account
- Ease of Saving
This account is ideal for anyone who wants a no-fuss, reliable savings option.
Just deposit, maintain your balance, and watch your savings grow.
- No Hidden Fees
With clear terms and a low $2.00 monthly service charge (easily waived), you know exactly what to expect—no surprises, no gimmicks.
- Accessible Banking Tools
Online, mobile, and phone banking make managing your savings easy, secure, and stress-free—whenever and wherever you need it.
Eligibility and Requirements
To open your Basic Savings Account, you’ll need:
- A valid form of ID (driver’s license, state ID, or passport)
- Social Security Number
- Minimum opening deposit of $100.00
Visit a branch or call us to learn more.
How to Maximize Your Savings
Want to make the most of your savings account? Follow these tips:
- Keep your balance at or above $100 to avoid fees and earn interest
- Set up automatic transfers from your checking account for consistent savings
- Minimize withdrawals to stay within the no-fee limit
- Use digital banking to monitor your progress and savings goals
Security and Support
Your savings are safe with advanced encryption, secure logins, and fraud monitoring tools.
If you need help at any time:
- Call Customer Service: (318) 357-3719
- Use our online contact form
- Visit your nearest City Bank branch
We’re here to support your financial journey.
Frequently Asked Questions
You’ll need just $100.00 to open your account.
Keep a minimum balance of $100.00 in your savings account at all times.
Interest rates are competitive and vary based on market conditions. Please contact us or visit a branch for current APY details.
You can make 3 withdrawals per quarter without any fees. Each additional withdrawal costs $2.00.
Yes! You’ll have 24/7 access through our secure online platform, mobile app, and Access 24 telephone banking.
You may be charged a $2.00 monthly service fee, and you will not earn interest until your balance is back to $100 or more.
Nope! Both services are free with your savings account.
Yes, you can easily set up automatic transfers from your checking account through online or mobile banking.
We use bank-grade encryption, secure authentication, and real-time fraud monitoring to keep your account safe.
You’ll need a valid photo ID, Social Security Number, and $100 opening deposit.
Ready to Start Saving Smarter?
Open your City Bank Basic Savings Account today and take control of your future with confidence.
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