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Savings & Money Markets

Whether helping you to build a nest egg, save for college, or plan for retirement, we give you more reasons to save with us.

All Deposits Insured in Full

At Dean Bank every deposit is insured in full. The FDIC insures each depositor for at least $250,000. The Share Insurance Fund (SIF) of The Co-operative Central Bank insures all deposits in excess of this amount.

Free Statement Savings Account

This account has no monthly service charge or minimum balance requirements. Track all of your account activities on one statement by linking your Dean Bank checking and savings accounts. eStatements are optional. Passbook accounts also available.

Preferred Savings Account

The higher your balance, the better the rate you earn. Plus, there are no monthly service charges or minimum balance requirements.

Holiday Club Savings Account

If you ever find yourself unprepared for holiday expenses, a Dean Bank Holiday Club Account is a great way to save. This convenient account offers a competitive interest rate and peace of mind. Open your account with as little as $1.00 and add to it at any time, in any amount. Set up direct deposit for part of your paycheck to be automatically deposited into your Club Account, or we can set up an auto-transfer from another Dean Bank account so you don't even have to think about it. In October, the balance of your holiday club account will be automatically transferred to your checking account or a check will be mailed to you, just in time for holiday shopping.

Auto-Transfer Savings Service

Let us help you build your savings by establishing automatic transfers from a Dean Bank checking account. You choose the amount and how often you want the transfer to take place. Then just sit back and watch your savings grow. This is a great way to reach your savings goals.

Save for America®

Save for America is a national school-based savings program sponsored locally by Dean Bank. The program teaches young children how to save and gives them the opportunity to do their banking at school. Participating students open a statement savings account that has no monthly service charges or minimum balance requirements. Interest is earned on all deposits and statements are issued quarterly. Accounts are opened in the name of both the child and a parent or guardian. Deposits may be made at any participating school or at any Dean Bank branch. Withdrawals can only be made at Dean Bank.

For more information on this educational savings program, current contests or to see if your child's school participates in Save for America, click here. 

Money Market Account

Maintain a low minimum balance and we will waive the monthly service charge.

Preferred and Premium Money Market Accounts

The higher your balance, the better the rate you earn.

Transaction Limitations

Why is there a limit of 6 combined electronic payments and withdrawals from savings and money market accounts? We'd give you more if we could. Federal law actually sets these limits for electronic and telephone transactions from all U.S. savings and money market accounts. Remember deposits and withdrawals in our lobbies and at ATMs are unlimited. Fore more details, view our Deposit Disclosure.

Draw Accounts

Use the balance in your other deposit accounts with Dean Bank as a draw account, providing overdraft protection for your checking account. There is a fee for transfers which is less costly than an overdraft fee or the embarrassment of a bounced check.

Alternative Hold Account

Dean Bank offers next day availability*; however, you may wish to assign one of your savings accounts to your checking account as an Alternative Hold Account. Anytime you make a check deposit, the hold will be placed on the Alternative Hold Account providing immediate availability in your checking account (provided there is a sufficient balance in the Alternative Hold Account) to cover the deposited check. You may assign multiple Alternative Hold Accounts to one checking account.

Age 18/65 exclusions

If you are 18 years of age or younger, or 65 years of age or over, you may be eligible to have one checking account and one savings account exempt from some service charges. Please inquire for more information.

* See Funds Availability Policy in your Deposit Disclosure for details.

Tell us…What do you see? For more information on any of our products and services, to provide us with your comments or feedback, or simply to tell us about your own dreams and visions so that we can help you reach them, please use our Contact Us form, or call any of our offices.