Personal Savings

	Smart Start Savings	Holiday Savings	Statement Savings	Cash Management	Health Savings	High Yield Savings
	Designed for children and students under age 18	An easy way to save for the holidays	Make savings easy and convenient	Offers interest with limited check writing privileges	A tool for managing medical expenses	Maximize your savings with higher interest rates
Account Features	Unlimited deposits	Unlimited deposits Your savings are transferred to an account of your choice in October	Unlimited deposits	Unlimited deposits	Easy access to your account with an HCB debit card and online banking	Available with an active HCB checking account Unlimited deposits
Interest	Competitive interest rates	Competitive interest rates	Competitive interest rates	Tiered interest rate based on account balance	Competitive interest rates	Higher interest rate tiers based on account balance
How to Avoid Monthly Service Charge			Minimum daily balance of $200 Waived for customers under age 18 Waived for customers age 60 or better Waived for current or past military service members	Minimum daily balance of $2,500	Monthly service charge waived for six months Minimum daily balance of $250 or Combined relationship balance of $2,500	Minimum daily balance of $5,000
Monthly Service Charge	None	None	$3.00	$10.00	$5.00	$10.00