Personal Savings

View Personal Savings Comparison Chart

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Empire Builder Savings

  • Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge
  • Monthly statements
  • Free Visa Debit Card
  • No Fee by ESB for using another bank’s ATM
  • Tiered rates
  • Interest is compounded daily and credit monthly

Statement Savings

  • Minimum daily balance of $500 required to avoid $5.00 monthly service charge
  • Monthly statements
  • Free Visa Debit Card
  • No Fee by ESB for using another bank’s ATM
  • Tiered rates
  • Interest is compounded daily and credit monthly

Minor Statement Saving

  • No minimum balance and No monthly fee
  • Only $10 to open
  • Monthly statements
  • Tiered rates of interest
  • Interest is compounded daily and credited monthly

Money Market

  • Minimum daily balance of $2,500 to avoid $15.00 monthly service charge
  • Monthly Statements
  • Limit third party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer or telephone to six per month, no more than six of which may be check, draft, or debit card.
  • Unlimited number of withdrawals in person, by mail or by ATM are allowed
  • Free Visa Debit Card
  • No fee by ESB for using another bank’s ATM
  • No minimum transaction amount
  • Tiered rates of interest
  • Interest is compounded daily and credited monthly

Personal Savings Comparison

Account TypeOpening Deposit

Monthly Service Charge

Visa Debit CardInterest Bearing
Empire Builder Savings  $5,000.00 None when $5,000 daily balance is maintained   Yes Yes, with tiered rates 
Statement Savings

 $100.00

None when $500 daily balance is maintained  Yes Yes, with tiered rates
Minor Statement Savings  $10.00  None No  Yes, with tiered rates
Money Market  $2,500.00  None when $2,500 daily balance is maintained Yes  Yes, with tiered rates  

If you’d like to learn more, please call Empire State Bank at 866-646-0003. Or, simply speak with an Empire State Representative at Banking Center near you.

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