Savings Account Features Guide
| Interest Rate |
| APY |
4.40% |
| Minimum deposit amount |
$0.00 |
| Maximum deposit amount |
$250,000.00 |
| Balance Requirements |
| Minimum Opening Deposit |
$25.00 |
| Minimum Balance to Avoid Fees |
- |
| Minimum Required Balance |
- |
| Fees |
| Monthly Maintenance Fee |
N/A |
| Foreign ATM Fees |
N/A |
| Insufficient Funds Fee |
$30.00 |
| Incoming Wires |
N/A
|
| Account Opening |
| Open Online |
Yes |
| Insured by |
F.D.I.C.
|
| Statements |
| Paper Statements |
Yes |
| Online Statements |
Yes |
| Online and Telephone Banking |
| Online Banking |
Yes |
| Telephone Banking |
Yes |
| Mobile Banking |
Yes |
| Deposit Checks with Mobile Device |
Yes |
| Free Bill Pay |
Yes |
| Online Bill Payments Required |
Yes |
Account Description
• The required minimum opening deposit is $25.
• For any month in which the account's average daily balance is below $25, a $5 fee applies.
• The minimum opening deposit requirement and monthly account fee are waived for residents of Rhode Island.
• No monthly account fee with minimum balance.
• Mobile check deposits.
• TIAA Bank does not charge its clients ATM fees at TIAA Bank or other financial institution ATMs.
• Automatically reimburse to the clients for other financial institution ATM fees on U.S. ATM transactions during any month that the average daily balance for the account is at least $5,000. For balances under $5,000, it will reimburse to the clients up to $15 in ATM fees monthly.
Rate History
|
Date
|
APY
|
|
December 20, 2024 |
4.40%
|
|
November 13, 2024 |
4.75%
|
|
June 10, 2024 |
5.05%
|
|
December 5, 2023 |
5.15%
|
|
August 20, 2023 |
4.75%
|
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