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Savings Accounts

Start your savings account to set a path to reaching your goals, whatever they may be. Whether you’re gearing up for a comfortable retirement, hoping to buy a new home, or planning for your child’s education, we can help you get there. Chose the account that’s right for you.


Regular Savings Account

Earn interest, and keep your money accessible

Save for life’s necessities, goals, and emergencies with a convenient, simple savings account. It’s perfect at any stage in life. Earn interest based on your average daily balance, enjoy unlimited in-person withdrawals, and access your account from your pc or mobile device.

  • Learn more about our Regular Savings account

    • Earn Tiered Interest

      Based on your average daily balance, your account earns a tiered annual percentage yield and interest rate. Interest compounds quarterly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.

      • Tier 1: Balances of $0 to $99,999.99
      • Tier 2: Balances of $100,000 to $499,999.99
      • Tier 3: Balances of $500,000 to $999,998.99
      • Tier 4: Balances of $999,999 or more
      Additional Information
      • Convenient online savings account access
      • Quarterly statement
      • $6 per quarter service charge if the average daily balance for the calendar quarter falls below $200
      • No service charge or minimum balance requirement for individuals under 24 or 65 years of age and older.

Open Regular Savings Account

Truth in Savings Disclosure Regular Savings Account

First Money Market

Great returns for long-term goals

With a money market savings account, keep a higher balance for a great interest rate, while maintaining the flexibility of our other savings accounts. Account service charge fees are waived when you maintain a minimum balance. The more you save, the more you earn.

  • Learn more about our First Money Market account

    • Earn Tiered Interest

      Based on your average daily balance, your balance earns a tiered annual percentage yield and interest rate. Interest compounds monthly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.

      • Tier 1: Balances of $1,000 to $24,999.99
      • Tier 2: Balances of $25,000 to $99,999.99
      • Tier 3: Balances of $100,000 to $499,999.99
      • Tier 4: Balances of $500,000 to $999,998.99
      • Tier 5: Balances of $999,999 or more
      Additional Information
      • Convenient Online Savings Account Access
      • Combined statement with checking account
      • $1,000 minimum deposit required to open the account
      • $15 service charge each statement cycle if the balance falls below $1,000 any day of the statement cycle
      • ATM and Debit Card are not available

Open Money Market Account

Truth in Savings Disclosure Money Market Account

Premium Money Market

Secure savings at industry-leading rates

Our highest-yield traditional savings option. Earn dividends on your high-balance account at a healthy rate, while maintaining anytime access.

  • Learn more about our Premium Money Market account

    • Earn Tiered Interest

      Based on your average daily balance, your balance earns a tiered annual percentage yield and interest rate. Interest compounds monthly. Annual percentage yield and interest rates could change at any time. For current rates, contact First International Bank & Trust.

      • Tier 1: Balances of $0 to $24,999.99
      • Tier 2: Balances of $25,000 to $249,999.99
      • Tier 3: Balances of $250,000 to $499,999.99
      • Tier 4: Balances of $500,000 to $999,998.99
      • Tier 5: Balances of $1,000,000 to $2,499,999.99
      • Tier 6: Balances of $2,500,000 and up
      Additional Information
      • Convenient Online Savings Account Access
      • Combined statement with checking account
      • $25,000 minimum deposit required to open the account
      • $15 service charge each statement cycle if the balance falls below $1,000 any day of the statement cycle
      • ATM and Debit Card are not available

Open Premium Market Account

Truth in Savings Disclosure Premium Money Market Account

Savings Accounts at a Glance

 Regular SavingsFirst Money MarketPremium Money Market
Opening BalanceNone$1,000$25,000
Service Charges$6 per quarter (on accounts that do not maintain an average quarterly balance of $200)$15 per month if balance falls below minimum for service charges and/or interest$15 per month if balance falls below minimum for service charges and/or interest
Transaction ChargesN/AOnly 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit.Only 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit.
Minimum Balance for Service Charges$200$1,000$1,000
Minimum Balance to Earn InterestNone$1,000$25,000
Statement FrequencyQuarterlyMonthlyMonthly
Earns InterestYes1Yes2Yes2
Visa® Debit & ATM CardFreeN/AN/A
Mobile BankingFree4Free4
Online Banking and Bill PayAvailableAvailableAvailable
eStatementNo ChargeNo ChargeNo Charge
Check WritingNoneYesYes
ChecksNoneFee depending on style of checks orderedFee depending on style of checks ordered
Check ImagesN/ANoNo
FIBT ATM accessFreeN/AN/A
Non FIBT ATMFees may be refunded3N/AN/A
 

Open Savings Account

Open First Money Market Account

Open Premium Money Market Account


Additional Information:

Specialty Savings Accounts


Christmas Club Savings Account

Prepare for annual shopping and spending

The holiday season should be a time of joy, not stress. Avoid the strain that can come with holiday spending. Set up contributions to be set aside on a weekly, bi-weekly or monthly basis. Start saving and making interest now.

  • Learn more about our Christmas Club Savings account

    • Variable Rate Interest

      Variable rate interest is credited to your account at maturity on November 15.

      No savings limit. No minimum deposit

      Deposit as much or as little in your account as you want.

      Easy transfer to your First International Bank & Trust Account

      Upon maturity, you must transfer your savings account balance to another First International Bank & Trust savings or checking account.

Open Christmas Club Savings Account

Truth in Savings Disclosure Christmas Club Savings Account

Kids Club

Start saving now for a strong financial future

Start developing healthy financial habits early. Kids age 12 and younger can open a Kids Club savings account. It’s a great way to save money, earn interest, and educate children about making smart money choices.

  • Learn more about our Kids Club Savings account

    • No Minimum Balance

      No minimum deposit to open the account.

      Compounded Interest

      Quarterly compounded interest is paid on the average daily balance.

      Additional Details
      • Quarterly statements.
      • Annual percentage yield and interest rates subject to change at any time.

      Ask your First International Bank & Trust location about newsletters or special benefits that may be available.

Open Kids Club Savings Account