Personal Savings

When you qualify in your StreamLine Interest or StreamLine Payback checking account, sit back, relax and watch your savings grow. No minimum balance required and no monthly service charge fees helps you StreamLine into savings!

Summary

• 0.50% APY* on balances up to $10,000
• 0.20% APY on balances over $10,000 depending on balance in account*
• 0.05% APY* on full balance if qualifications are not met
• No minimum balance requirements to earn rewards
• Never a monthly service fee
• Free online banking
• Free eStatements

Qualifications:

You must have a StreamLine Interest or a StreamLine PayBack account at Great Rivers Bank to open a Streamline Savings account. You automatically earn the highest savings rate when you meet the monthly Streamline qualifications in your checking account each month, which are:

• Have at least 10 debit card purchases post and settle
• Have at least one pre-arranged, recurring direct deposit or one ACH auto debit post and settle
• Be enrolled and receive digital statements

If you don’t meet the qualifications one month…no worries! Your accounts are still free and earn interest at our base rate. And you can get back to earning the full rewards the very next month! Please refer to StreamLine Interest or StreamLine Payback for full details on qualifications.

*APY=Annual Percentage Yield. APYs accurate as of 11/19/2020. Rates may change after account is opened.  If qualifications in StreamLine Interest or StreamLine PayBack are met each monthly qualification cycle: (1) balances up to $10,000 in StreamLine Savings receive an APY of 0.50%; and (2) balances over $10,000 in StreamLine Savings earn 0.30% interest rate on portion of balance over $10,000, resulting in 0.50% – 0.30% APY depending on the balance. If qualifications are not met on StreamLine Interest or StreamLine PayBack, all balances in StreamLine savings earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN.

This straightforward account requires only $100 minimum balance to waive the $3 service fee.

Summary

• Competitive interest
• Interest compounded and paid quarterly
• $100 minimum balance to waive $3 monthly service fee*
• Free Digital Banking available
• Free eStatements available

*Service fee waived for students 21 and younger regardless of balance.

See our current interest rates.

This is an account designed to help you save year-round. Deposit funds all year so when it’s time to start that shopping list, you’re financially prepared.

Summary

Christmas Club Account:

• Make weekly or monthly payment amounts of your choosing
• Free auto transfers from another account
• Christmas Club funds are direct deposited into your checking or savings account in November
• No Fees

Convenience is enhanced with the ability to write checks and make online payments directly from this account.

Summary

• No monthly service fee
• Competitive interest on balances $1,000 and up
• Premium rate on balances $2,500 and up
• Interest compounded and paid monthly
• Direct check writing ability; up to 6 debits per month
• Free Digital Banking
• Free eStatements available
• $2,500 minimum deposit to open

See our current interest rates.

Convenience is enhanced with the ability to write checks and make online payments directly from this account.

Summary

• No monthly service fee
• Competitive interest on balances up to $50,000
• Premium rate on balances $50,000 and up
• Interest compounded and paid monthly
• Direct check writing ability; up to 6 debits per month
• Free Digital Banking
• Free eStatements available
• $2,500 minimum deposit to open

See our current interest rates.

Start saving now to reap the most tax benefit. And the next time you need medical care, you’ll have the funds set aside.

Summary

• Contributions are tax free or tax deductible*
• Interest grows tax free
• Withdrawals are tax free when used for qualified medical expenses**
• Money rolls over year-to-year automatically
• HSA is owned by you, not employer
• Low $25 annual fee
• Easy withdrawal access by check, online, teller
• $25 minimum deposit to open
• FDIC insured

Eligibility

• Must be covered under a qualified, high deductible health plan
• Must not have coverage by another type of health plan
• Cannot be claimed as a dependent on another person’s tax return
• Cannot be enrolled in Medicare

Contribution Limits

Contribution limits are set by the IRS. Current 2022 contribution limits are:

• $3,650 for a self-coverage
• $7,300 for a family coverage
• Subject to annual cost-of-living adjustments, if any
• A person age 55 or older may make an additional $1,000 in “catch-up” contributions

This information is intended to provide general information about our HAS account.  Every individual circumstance can be different, we encourage you to consult your tax or legal professional for specific information.  The IRS website, www.irs.gov has useful information and more details.

See our current interest rates.

*Direct deposit contributions from paycheck mean that portion of your income is not taxed. If contributions are made after income was taxed, the amount deposited is tax deductible.

**Withdrawals for non-qualified medical expenses are subject to income tax and a 10% penalty. The 10% penalty is waived for persons 65 and over or who have become disabled.