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Personal Savings Accounts

We all have different reasons for trying to put a little money back. Besides having a rainy day fund, you might be saving up for a dream vacation, a new car, or even that big kitchen remodeling project. Our savings options are as different as your needs. Learn about our savings account options below, and when you’re ready to start saving, we’re here to help! 

Minimum Balance to Open

Monthly Fee

Transaction Fee

Statement Savings    



Waive the Monthly Fee    

If the account falls below the minimum daily balance of $300.00 any day during the month, a $1.00 per item fee will be assessed for each item in excess of three per month.

Money Market Plus*



Waive the Monthly Fee    

$5.00 fee charged for each item in excess of six during a statement cycle.

Interest compounds daily, paid monthly. See Interest Rates for deposit tiers and corresponding annual percentage yield (APY). At our discretion, the interest rate and annual percentage yield (APY) on your account may change. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Transfers from these accounts to another account or to third parties by check, online, pre-authorized, automatic, or telephone transfer are limited to six per month.
* Minimum balance required to obtain the APY is based on flexible, tiered interest rate plans. The more you invest, the higher the annual percentage yield. If your daily balance falls within any tier, the corresponding rate will be applied to the entire balance in your account.

Have you thought about…

Linking your savings account to your checking account? Doing so can help you avoid overdraft charges. Simply authorize Kitsap Bank to watch the balance in your account by linking your checking account to a savings account. If you mistakenly overdraw your account, funds will automatically be transferred into your checking account to cover the overdrawn amount.

Minimum daily balance to waive monthly fee is $300.00.

Fee is waived if a minor’s account or combined checking account.
Minimum daily balance to waive the monthly fee is $2,500.00.
A $10 transfer fee applies
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