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Personal Savings Account

Save Your Money Your Way

Learning to save is a skill that can serve you well throughout your life, but you need the right savings account. Whether you’re looking for a traditional savings account to save for a rainy day, an IRA to save for retirement, or a Money Market account that allows you take advantage of tiered interest rates, DeWitt Bank & Trust Co. has you covered.

Traditional Savings Account

Account NameChoose this account if...Opening Balance RequirementAccount DetailsFees
Secure Savings AccountYou want a low minimum daily balance requirement.$25

Free online banking

Interest paid semi-annually on balances greater than $100

Express Pay Check Card with checking account

$5.00 if balance falls below $100 during calendar month

$3.50 per withdrawal over 6 per calendar month

Starter Savings Account

You’re age 24 or younger and want a savings account with low fees and transaction volumes.


Free online banking

No minimum balance fee

Interest paid semi-annually on all balances

Express Pay Check Card with checking account

$1.00 per withdrawal over 1 per calendar month

Rewards Money Market Account

You can maintain a higher account balance and want to take advantage of tiered interest.


Free online banking

Variable interest rate based on account balance.

Tiers range from $2,500 to $250,000

Six free withdrawals per statement cycle 

$8 per month if balances falls below minimum daily balance of $2,500

An excess debit fee of $15.00 will be charged for each debit (withdrawal, automatic transfer, or payment out of this account) in excess of six during statement cycle

Christmas Club AccountYou want to save throughout the year for holiday purchases.$25

Free online banking

No minimum balance requirement.

Interest is paid out on October 31st

Vacation Club AccountYou want to save for your next vacation throughout the year.$25

Free online banking

No minimum balance requirement.

Choose which month you would like the interest to be paid out. The interest will be paid out on the 15th of that month you select.


Certificates of Deposit

A certificate of deposit gives you the ability to grow your money with a better interest rate. We offer CDs with terms ranging from 3-month to 5-year maturities*. There is a minimum opening balance requirement of $1,000 and your funds are FDIC-insured up to $250,000. Your interest rate depends on the term of the CD.

*Penalty for early withdrawal

Health Savings Account

If you have a High-Deductible Health Plan, you are eligible for a Health Savings Account at DeWitt Bank & Trust Co. A health savings account allows you to save money to be used on qualified medical expenses. Whether it’s paying for medication or bridging the gap before your deductible kicks in, this account is a valuable tool. There are no minimum contribution limits or minimum balance requirements, and the account has a $2.00 monthly administration fee.

*Health Savings Accounts do carry tax implications. Please consult a tax advisor.

Retirement Savings Accounts

Are you doing enough to save so you can live the way you want to in your retirement? DeWitt Bank & Trust Co. offers a variety of retirement accounts to allow you to start saving to live how you want when your working days are over.

Traditional IRA

This IRA is designed for individuals, couples, and families who want to save tax-deferred dollars and who want their annual contributions to be tax-deductible. However, withdrawals may be made at any time for college expenses or the purchase of a first home.


Although contributions to this IRA are not tax-deductible, withdrawals from the account (after a five-year minimum) are tax-free! Funds can be withdrawn before the five-year minimum for college expenses or the purchase of a first home, but ordinary income taxes will be paid on the earnings.

Coverdell Education Savings Account (formerly known as Education IRA)

This savings account is specifically designed to provide a tax-free way to save for education expenses for any minor child, including grandchildren, until the age of 18 on a non-deductible basis. This account can be used to pay for elementary and secondary education (K – 12) expenses incurred in a public, private or religious school, as well as college, technical or postgraduate work.

Earnings grow tax-free, and withdrawals for qualified education expenses are also tax-free.

*Traditional IRA, Roth IRA and Coverdell Education Savings Accounts do carry tax implications. Please consult a tax advisor.

Open a Savings, Money Market or Certificate of Deposit Account

If you would like to experience the difference in choosing the savings, money market or certificate of deposit account that works best for you, get started by completing our deposit application.

Deposit Account Application

  • Shelby Burke

    Shelby Burke

    Assistant Vice President & Retail Banker

    NMLS: 1996600

    Divisions: Auto Loans, Business Banking, Home Equity Loans, Personal Banking, Personal Loans

    Location: DeWitt

    Phone: (563) 659-3211 (563) 659-3211

    Contact Me
  • Jessica Hasenmiller

    Jessica Hasenmiller

    Personal Banker

    Divisions: Business Banking, Personal Banking

    Location: DeWitt

    Phone: (563) 659-3211 (563) 659-3211

    Contact Me
  • Dee Kearney

    Dee Kearney

    Personal Banker

    Divisions: Business Banking, Personal Banking

    Location: DeWitt

    Phone: (563) 659-3211 (563) 659-3211

    Contact Me
  • Marissa Schmidtke

    Marissa Schmidtke

    Personal Banker

    Divisions: Auto Loans, Business Banking, Personal Banking, Personal Loans

    Location: DeWitt

    Phone: (563) 659-3211 (563) 659-3211

    Contact Me
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