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Health Savings Account

Health Savings Account
for high deductible health plans


Savings Account Solutions

Whether building your nest egg or planning for a rainy day, a Royal Bank America savings account is a safe solution to help you meet your financial goals.

Personal Savings (incl. IRA)

  • $100 minimum to open
  • $100 average available quarterly balance required
  • $30 below required balance fee
  • Free debit card with surcharge-free access to 55,000+ Allpoint Network ATMs

Money Market
A high yielding tiered account

  • $100 minimum to open
  • $2,500 average available monthly balance required
  • $10 below required balance fee
  • No monthly service fee
  • Variable interest rate (tiered)

Youth Savings
Savers 24 and under

  • $25 minimum to open
  • No balance required
  • Start the savings habit early
Current Rates


Savings Account Rates
Products Annual Percentage Yield* (APY)
Youth Savings 0.25%
Savings (Personal and IRA) 0.15%
Savings (New Deposits; Personal)** 0.75%

*Fees may reduce earnings. Rates are subject to change at any time at management’s discretion, without limitation on the percentage change.

**0.75% APY savings with a guaranteed rate until 3/31/2017.

Money Market Rates
Products Avg. Monthly Min. Balance Annual Percentage Yield (APY)#
Money Market I $1 – $49,999 0.20%
Money Market II $50,000 – $99,999 0.25%
Money Market III $100,000 – $249,999 0.35%
Money Market IV $250,000 – $499,999 0.40%
Money Market V $500,000 – $999,999 0.45%
Money Market VI $1,000,000 and Above 0.45%

#Annual Percentage Yield (APY). Money Market utilize tiered interest rates. Min. opening deposit $100. For MMA I-VI, if average monthly balance falls below $2,500, a $10.00 fee will apply. Rates are variable and subject to change. Each account requires a minimum balance to earn specified APY. Unlimited cash withdrawals may be made from Money Market/Savings Accounts, at no extra charge, by using withdrawal tickets available in our branches.

By law, only six non-cash withdrawal transactions are permitted per statement cycle. A $5 fee per occurrence will be levied for transactions over limits. Accounts that consistently exceed limits will automatically and permanently revert to non-interest bearing accounts. Fees may reduce earnings.

Certificates of Deposit

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0.75% Savings Account

Save More. Worry Less.

0.75% *APY Savings Account




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