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Des Moines/Personal Banking/Savings Accounts Comparison

Comparison Chart

Consumer Savings Accounts

​​
​Savings
Benefits
Regular Money
Market
Investment Junior
Savers*
Minimum
Balance Requirement
$200 daily $1,000 daily $5,000 daily NO
Interest
Paid
Monthly
Yes; quarterly
statements
Yes;
tiered rates
Yes;
tiered rates​
YES
Transaction
Fees
6 free per
statement cycle;
$5 for each
thereafter **


 6 free per
statement cycle;
$5 for each
thereafter **

 
6 free per
statement cycle;
$5 for each
thereafter **

6 free per
statement cycle;
$5 for each
thereafter **
Monthly
Statements
Yes; with
electronic funds
transfers;
otherwise
quarterly
YES YES Yes; with
electronic funds
transfers;
otherwise
quarterly
Check
Writing
NO NO Yes; Federal
transaction limits
will apply
NO
Monthly
Maintenance
Fee
$6.99 if
minimum
balance is
not met
$8.99 if 
minimum 
balance is 
not met
$12.99 if 
minimum 
balance is 
not met​
NO
Convenient
ATM Access
No fee at
more than 100 
Bankers Trust ATMs;
$1 fee per ATM transaction at
non-Bankers Trust owned/operated
ATMs
No fee at 
more than 100 
Bankers Trust ATMs;
$1 fee per ATM transaction at 
non-Bankers Trust owned/operated
ATMs

No fee at 
more than 100 
Bankers Trust ATMs;
$1 fee per ATM transaction at 
non-Bankers Trust owned/operated
ATMs

No fee at 
more than 100 
Bankers Trust ATMs;
$1 fee per ATM transaction at 
non-Bankers Trust owned/operated
ATMs​

​​​​​​​​

* Junior Savers is only available for people under the age of 18.

** Federal transaction limits will apply. See terms and conditions for additional information.

​​
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