Savings Accounts

Start building your foundation today.

Open your IncredibleBank Savings Account in 5 minutes or less.

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Set Out On Your Savings Journey

Up to 0.10% APY

$50 minimum deposit to open

No minimum balance requirements


Your Savings Goals Are Our Savings Goals

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

Your Future Starts Today With An IncredibleBank Savings Account

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How We Stack Up

IncredibleBank Savings
0.10% APY
BMO Harris Statement Savings
0.03% APY
Nicolet National Savings
0.03% APY
Wells Fargo Way2Save® Savings
0.02% APY
Bank of America Advantage Savings®
0.01% APY
The APYs for other banks are provided by mybanktracker.com and are accurate as of 4/2/21. The APYs in this table are for the state of Wisconsin and are based on a minimum daily balance of $10,000.

How To Open Your Savings Account Online

1

Tell Us About Yourself


We'll need some information from you like name, address, and birth date to open your IncredibleBank Savings account online.

2

Deposit Funds


Minimum of $50 for your first deposit, and you can fund from an external bank account or another IncredibleBank account.

3

Download Our App


Be sure to download our industry-leading mobile app to take your IncredibleBank experience to the next level!


Customer Reviews


Average Reviews: 4.8 stars (over 250 reviews)

 
"This is a bank that genuinely cares about its customers. Above and beyond customer service- the little extra touches really make a difference."
 
Kayla V. - IncredibleBank Customer


"Extremely friendly and helpful staff they always are able to answer my questions and can help me with any problem. I drive from Oshkosh once a month to continue banking here because no other bank can compare! I hope they decide to expand further south soon :)."

Sylvia K. - IncredibleBank Customer


"They have always been helpful, and also promptly notify us if there is a potential fraudulent use of our debit card number somewhere else. Service has always been fast and efficient."
 
Dennis C. - IncredibleBank Customer

Frequently Asked Questions

Click the Open Account button at the top of the page, fill out the application, fund your account, and voilá!
We require a $50 minimum deposit to open an IncredibleBank Savings account.
You are not required to maintain a minimum balance in our IncredibleBank Savings account.
The easiest way is to download the IncredibleBank app. Simply search "IncredibleBank" in the Apple or GooglePlay stores. When you open your savings account online, you will be given a username and password to setup online banking access.  You can use this username and password to access your account through our website or via the mobile app. You can also give us a call at 1-888-842-0221 and speak with one of our Customer Experience Champions about your account.
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 coving 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.
Hopefully you will be moving money into your savings account more frequently than you're taking money out, but in the case you do need to take money out, you are allow up to six withdrawals per month. Why only six? Federal Reserve Board Regulation D, requires IncredibleBank to limit withdrawals or transfers  to six per month in savings accounts and money market accounts. You may make 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone transfer, computer transfer, or by check, draft, debit card or similar order to a 3rd party. An Excess Item service charge of $10.00 will be charged for each withdrawal or transfer above the limit of 6 that is allowed per month. Excessive withdrawal or transfer transaction activity may result in changes to your account type, removal of ability to transfer, or account closure. If you know you're going to be transferring money quite often, consider an IncredibleBank Checking account.
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 by transferring money to another account, like an IncredibleBank Checking account for example. You can also request a debit card be linked to your savings account to withdraw cash at ATMs. 

IncredibleBank Named Best Online Bank 2021

IncredibleBank’s breadth of products and competitive rates make it a worthy contender for your banking business. In fact, GOBankingRates rated IncredibleBank one of the Best Online Banks of 2021.

Overall Rating: 4.5/5
  • Breadth of Products: 5.0
  • Interest Rates: 4.5
  • Accessibility: 4.0
  • Fees: 4.5
 

For the complete review, visit GoBankingRates.

Personalized Customer Service


Meet Kathy, our Customer Experience Champion. She is here to answer any questions you may have. At IncredibleBank, we believe in the power of personal relationships, and that's why you will always be able to talk to a live person when you call or message us via our mobile app. Kathy and her team can help you with opening your checking account, troubleshoot any issues you may be experiencing, and are great resources for any financial questions you may have.

Resources For Your Savings Journey

Wealth And Health, The Foundation

Ellie Reineck begins her monthly video series discussing financial wealth and health. It’s short, to the point, and offers tips we can all use to alleviate financial stress and live wonderful, productive lives.
 
How To Thwart Phishing Attacks
 
Jenifer Zurfluh, IncredibleBank’s resident expert on cyber risk, led this webinar highlighting the following:
  • How to spot red flags in emails and how to thwart a phishing attack
  • The details of an elaborate attack that actually happened to an IncredibleBank customers
  • Why it’s important to stay proactive and not reactive
  • How IncredibleBank can help you
The Bank of the Future

The speed of change will touch all aspects of our business—especially the customer experience. Living in the Internet era, change is happening so quickly that we often don’t realize what change is taking place, or that our expectations are even changing.