Let us make saving money simple for you. With services like automatic transfers from checking to savings, savings options to prepare for the holidays, and even long-term savings with certificates of deposit, you’ll find the right option to build a savings plan that fits your life. We take the heavy lifting out of building your savings in every way possible. Sit back and let your money start adding up!

	Main Street Savings	Main Street Money Market	BankOn Main Street Savings	Holiday Account	Certificate of Deposit
Online Banking	✓	✓	✓	✓	✓
Mobile Banking	✓	✓	✓	✓	✓
e-Statements	✓	✓	✓	✓	N/A
External Transfers	✓	✓	✓	✓	x
Debit Card Option	✓	✓	✓	✓	x
IRA Option	x	✓	x	x	✓
Earns Interest	✓	✓	x	✓	✓
Minimum Balance	No minimum balance	$1,000	No minimum balance (1)	No minimum balance	No minimum balance
Minimum Deposit to Open	$10.00	$10.00	$10.00	$10.00	$1,000.00
Current Interest Rate	Check Rates	Check Rates	N/A	Check Rates	Check Rates
	Open Online	Open Online IRA option not available to open online.	Open Online	Open Online	Open Online IRA option not available to open online.
	Learn More	Learn More	Learn More	Learn More	Learn More

See our Retail Summary of Fees. All accounts are subject to account opening processes and standards, and such standards must be met for any new account to be opened.

(1) See our BankOn Main Street Summary of Fees.

Main Street Savings

A Main Street Savings account is a great way to earn a higher rate of interest, while being able to link the account to your checking to make managing money even easier.

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Our Main Street Savings Account has a tiered interest rate, which means, the higher your balance, the more interest you earn.

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Main Street Money Market Account

A little bit checking, a little bit savings. A Main Street Money Market account is a savings alternative with some check writing privileges. This is a smart option for those that want to save, but also need access to their funds.

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Tiered rates – the higher your balance, the more interest you earn
Up to 6 transactions per statement cycle from the following categories – checks presented, automatic transfers, telephone transfers, pre-authorized withdrawals from an external source (including electronic checks), and internet banking and third-party transfers (including point-of-sale and debit transactions)
Unlimited in-branch withdrawals

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BankOn Main Street Savings

BankOn Main Street Savings allows you to build your finances for the future. When combined with a BankOn Main Street Checking, a BankOn Main Street Savings account is ideal for separating your spending money and savings.

Additionally, deficit transfers to cover transactions that would overdraw the checking account are free. This account must be paired with a BankOn Main Street Checking account.

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No minimum balance, no monthly maintenance fee
No overdraft or insufficient funds fees
Free Online Banking
Free Mobile Banking and Mobile Deposit
Free e-Statements
MasterCard® ATM/Debit Card
Free savings to checking deficit transfers to cover negative checking account balance when paired with BankOn Main Street Checking account

Holiday Account

A free savings account with no minimum balance, a Holiday Savings account is a way to earn more interest but still have access to your funds. Save for the holidays or any special occasion you have in mind.

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Tiered rate of interest, which means the higher your balance, the more interest you earn
Unlimited deposits and withdrawals
Receive a check for the balance in the account automatically on October 31 each year to use the money however you need to

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Certificate of Deposit

If you’re looking for a more committed relationship with your savings account, a Certificate of Deposit (CD) is a great option to add some long-term diversity to your savings plan. Guaranteed returns and flexible terms plus security give you a safe and predictable investment option. Individual Retirement Account (IRA) CDs are also available.

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Flexible terms from 91 days to 5 years
Choose your maturity date
Guaranteed interest rate for the term
Interest earned can be automatically transferred to the Main Street Bank account of your choice

CDs are automatically reinvested at the same term upon maturity, so you can continue saving.

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Individual Retirement Accounts (IRAs)

Retirement; you’re either thinking about it constantly, or avoiding thinking about it at all. But when it comes to your retirement needs, you can let us help you sort through the alternatives and choose what’s right for you and your family.

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Consider IRA Certificates of Deposit for part of your retirement portfolio. With guaranteed returns, flexible terms and experts at Main Street Bank to guide you, the safety and security of IRA Certificate of Deposits can help you rest easy during these tumultuous economic times. In addition to Certificates of Deposit, we also offer IRA Money Market accounts. These accounts provide an excellent way to save on a regular basis and build your balance. Open an IRA Certificate of Deposit or an IRA Money Market today!

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Testimonial

I needed documents notarized for several people. Michelle Hills in the Ayer branch is very accommodating. She is going to securely hold the documents for me so each of us could drop in at our convenience. This will save me many hours of coordinating the process. Thank you Michelle! Community banking at its best!!

Kevin H.

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