Smart Savings
Start earning more now with Smart Savings.
The math is simple - Dollar Bank's Smart Savings Account adds up.
- No minimum balance requirement
- No monthly service fee
- Provides the benefit of an Everything Checking Account, our most popular account with great banking perks
Account benefits
Early Pay
Get paid up to two days early.**
ATM availability
With the Allpoint® ATM Network, access 55,000 free ATMs at convenient locations like Target®, Walgreens® and CVS®.***
Online Banking
Bank online or on the Dollar Bank Mobile App.
Transfers
Maximize your savings with easy transfers from your checking account.
Mobile Deposit
Deposit checks with a few taps on your phone.
FAQs
There is no minimum balance requirement for a Smart Savings Account, and it’s best for balances under $25,000. For savings balances over $25,000, check out our Platinum Savings Account.
Yes - a Smart Savings Account has the safety of FDIC insurance. The standard deposit insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category.
You can compare Dollar Bank’s savings accounts online with our savings account comparison chart.
Our Smart Savings Account Information Schedule is available online.
Disclosures
*3.75% Annual Percentage Yield on Smart Savings balances up to $10,000. Balances between $10,000.01 and $25,000 will earn an APY ranging from 3.75% to 3.00% based on a rate of 2.47% and balances $25,000.01 and above will earn an APY ranging from 3.00% to 0.75% based on a rate of 0.75%. All rates are accurate as of 10/9/26 and are subject to change without notice. Fees may reduce earnings. Ask for an Account Information Schedule for deposit account details. $50 minimum to open. A valid Everything Checking Account is required to open and maintain a Smart Savings Account and the rates for Smart Savings require Everything Checking with eight qualifying monthly posted payments. Limit one Smart Savings Account per customer. For Dollar Bank’s Pennsylvania, Maryland and Ohio market areas only.
**Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
***Surcharges from other banks not in the Allpoint or Freedom Alliance networks may apply when using your debit Mastercard® or ATM card.
CVS is a registered trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.