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Open a Savings Account Online

No minimum balance. No stress. Just smart saving, your way.

Set aside money for both planned and unplanned expenses. Open your IncredibleBank Savings Account in about five minutes and start saving today.

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Competitive Rates, $25 to Start, and No Minimum Balance


Earn Up to 0.10% APY on Your Balance

Based on your balance and current rates, you can grow your savings with ease.


Open with Just $25—No Large Deposit Needed 

Start saving with just a small initial deposit—no need for large upfront amounts.


No Ongoing Balance Requirement—Keep Saving Your Way

Enjoy flexibility without the pressure to keep a minimum balance.

Start Saving for What Matters Most 

Build Your Emergency Fund
Save For A Vacation
Purchase A New Car
Buy A New House
Rent An Apartment
Start A Business












Take the First Step Toward Your Future—Open Your Savings Account

 

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How To Open Your Savings Account Online

1

Tell Us About Yourself


We’ll ask for a few details—like your name, address, and birth date—to help set up your IncredibleBank online savings account quickly and securely.


2

Make Your First Deposit


Transfer funds from another bank to fund your new savings account and get started.


3

Download the IncredibleBank App


Our powerful mobile app makes it easy to manage your savings, move money, and stay connected—anytime, anywhere.


Get the Most from the IncredibleBank Mobile App

 
Mobile Banking lets you securely manage your money from almost anywhere—right from your phone or tablet. With the IncredibleBank Mobile App, you can:
 
  • Send money with Zelle® – Quickly and safely transfer money to friends and family
  • Log in with Face ID – Secure, convenient access with just a glance 
  • Deposit checks from your phone – Skip the branch with Mobile Deposit
  • Pay bills on the go – Schedule and manage payments anytime with Mobile Bill Pay
  • Add your card to your mobile wallet – Pay in stores or online with Apple Pay®, Google Pay™, or Samsung Pay
  • Find surcharge-free ATMs – Use your location to find nearby MoneyPass™ ATMs
 

Need help using the app?


 
 













Frequently Asked Questions

A savings account helps you set money aside safely while earning interest. Whether you're planning for something big or just want peace of mind for the unexpected, it’s a smart step toward your financial goals. Learn more about how savings accounts work.
Click the Open Account button at the top of the page, fill out the application, fund your account, and voilá!
Start your savings journey with just $25—simple, easy, and ready when you are.
You are not required to maintain a minimum balance in our IncredibleBank Savings account.

To access and manage your Savings Account online, follow these simple instructions or give us a call at 1-888-842-0221 and we’ll be happy to help!

We try to keeps fees as minimal as possible. And we never try to hide the fees we do have. You can find all of the fees and service charges on our Schedule of Fees.
Yes, IncredibleBank has FDIC deposit insurance on all deposit accounts covering depositors dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default, up to at least $250,000. For example, if a person had a checking account with a principal balance of $150,000 and $50 in accrued interest, the full $150,050 would be insured, since principal plus interest did not exceed the $250,000 insurance limit for each account. FDIC insurance may vary based on your situation. It's best to use the FDIC insurance calculator to determine your exact coverage.
Yes, you can enroll your IncredibleBank Savings in overdraft protection. Click this link to learn more about our overdraft protection.
We offer a variety of ways to deposit funds into your savings account depending on the type of funds you want to deposit:
  1. Electronic funds - Use our bank-to-bank transfer feature to deposit funds from an outside bank account to your IncredibleBank savings. You can also transfer money from one IncredibleBank account to another anytime within online banking or our mobile app.
  2. Check - Use our remote deposit feature to take a picture of your check and deposit it into your account.
  3. Cash - We recommend three different ways to deposit cash into your online bank account:
    1. Make a deposit at a cash-accepting ATM. There are thousands of cash-accepting ATMs throughout the US. Simply insert your debit card into the machine, select deposit cash, and insert your bills into the machine. These funds will immediately be available in your account.
    2. Get a money order. Money orders are like "official checks" that you pay for in advance, possibly with cash. You can purchase a money order from just about any financial institution, post office, or large department stores like Walmart. There will be a small fee associated with money orders, usually less than $5. To deposit your cash to IncredibleBank, you can purchase a money order with your cash, make the money order out to yourself, and deposit your money order using our mobile deposit feature.
    3. Use another account. If you still have a checking account at your local bank, you can deposit the cash at your local bank, then transfer the funds from your local bank account to your IncredibleBank Savings account.
You can withdraw money from your savings account in several ways:
 
  • Transfer funds to another account, like your IncredibleBank checking account
  • Visit a branch in person
  • Use an Interactive Teller Machine (ITM)
  • Request a debit card linked to your savings account to withdraw cash at ATMs