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Compare Savings Accounts

FeatureItasca SavingsYouth SavingsChristmas Club
Minimum deposit to open$250$100N/A
Minimum balance requirements to avoid service fee $250N/AN/A
Monthly service fee (based on daily
balance)
$5 if balance falls below $250 anytime during the month.N/AN/A
Minimum daily balance to earn interest (Refer to the deposit rate sheet for the current rates and terms.)$250$100N/A
Statements*Quarterly paper or
E-statements
Quarterly paper or E-statements
Quarterly paper or E-statements 
Transaction LimitationsTransactions are limited to no more than 8 transfers and withdrawals per statement service charge cycle by means of Check, Preauthorized Agreement to Third Parties (ACH) and Debit Transfers made via Online Banking, Bank by Phone or Bank Assisted Transfers made by phone. A $10 Excess Activity Fee will be charged for each transaction listed above, over 8, which clears within that statement service charge cycle. Transfers and Withdrawals made in person at Itasca Bank & Trust Co. or at an Automated Teller Machine (ATM) from a Savings or Money Market Account are unlimited.Same as Itasca SavingsFinal payout can only be made electronically into an Itasca Bank & Trust Co. checking or savings account.
Use of non-Itasca Bank & Trust Co. owned ATM Service Charge$1.00 per transaction. Other financial institutions may charge a fee to use their ATM.Same as Itasca SavingsN/A
*Paper statements mailed monthly when any electronic transaction occurs.

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