High Yield Savings
Turn Your Savings Into Momentum
Earn 8x more on the savings you already have.
3.00%APY*
When paired with a b1BANK Checking Account
vs. 0.38% national average** · Same money, more growth
- Open in minutes, fund with just $100
- FDIC insured
- Free Allpoint ATM access at 55,000+ locations
OPEN MY HIGH-YIELD SAVINGS ACCOUNT
FDIC insured
100% online
$100 to start
Why this beats a rate-only account
Most online-only banks give you a number. We give you a full banking relationship at a high-yield rate.
b1BANK
- Pair with checking, one login
- 55,000+ free Allpoint ATMs
- Instant transfers between b1BANK accounts
- Credit Score & More included
ONLINE-ONLY BANKS
- No checking account
- No debit card on this account
- Multi-day external transfers
- No credit insight tools
Built around you, not the fine print
Simple, accessible, and rewarding from day one.
Start with just $100
Earn the higher rate from your first dollar. No big balance required.
Open and manage 100% online
Apply from your phone in minutes. No branch visit, no paperwork.
Free ATM access, nationwide
Use any of 55,000+ Allpoint ATMs, fee-free. Your money is always within reach.
Know where you stand
Credit Score & More: full report, score simulator, alerts, and insights in one place.
Simple, Transparent Terms
Because surprises don't belong in your savings account.
| Minimum opening deposit | $100 |
| Service charge | $5 (waived with a $500 minium daily balance) |
| ATM access | Free at all AllPoint ATMs nationwide |
| Withdrawals | 4 fee-free per statement cycle ($5 each after that) |
| Statements | Free eStatements ($3 for paper) |
Pair your High-Yield Savings Account with a b1BANK personal checking account and get even more from your everyday banking: seamless transfers, one login, and a complete financial picture in one place.
Explore Checking Accounts
Ready to Earn More on Every Dollar You Save?
Opening your account takes about five minutes. No branch visit needed, just a few details and you're in.
Open My High-Yield Savings Account
*$100 Minimum opening deposit. The APYs are current as of 04/28/2026.
| Interest Rate | Annual Percentage Yield (APY) | |
| Premium rate with activity in a related checking account | 2.96% | 3.00% |
| Default rate without activity in a related checking account | 0.20% | 0.20% |
Interest rates and Annual Percentage Yields are variable and subject to change at our discretion without notice before the account is opened. The default interest and service charge cycles for this product are from the 1st day of each month to the last day of each month. If the last day of the month is on a weekend or holiday, the previous business day is the last day of the service charge cycle. The service charge for this account is waived if you maintain a balance greater than $500 each day of the service charge cycle. To receive the Premium Interest Rate there must be a qualified related b1BANK checking account which has at least one customer-initiated debit or credit transaction posted within the last 3 business days of the prior interest cycle through 3 business days before the end of the current interest cycle. The account owners’ primary-owned qualified related b1BANK checking account activity is automatically considered beginning the business day after this account is initially opened, however the responsibility to identify other accounts that might be considered for this qualification falls to the customer. If the High Yield Savings account does not have a related qualifying b1BANK checking account, the account will earn the default interest rate.
**As of 5/18/2026 the US deposit rate for a savings account is 0.38% APY per FDIC.
