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Personal_Savings Services

Savings Services

At Busey, we understand the importance of saving for the future and unexpected emergencies. Whether you are just starting out or saving for something specific, we have a savings account to help you reach your goals.

While you are here, take one of Busey’s My Financial Goals assessments to check your progress toward your goals—whether you are saving for college, retirement or a major purchase.

Bank by Appointment icon  Take control of your schedule and BANK BY APPOINTMENT.

 

Everyday Savings

Rates   Apply
  • Interest earned on any amount
  • No monthly maintenance fee if you maintain the minimum daily balance of $300; otherwise, pay a $3 monthly maintenance fee
  • Annual statement; monthly statement available when linked to a checking account
  • 24-hour access via ATM
  • Three free withdrawals per month; $1 fee for each additional withdrawal

 

As required by federal regulations, certain transfer limitations apply to money market and savings accounts.
* Up to six preauthorized transfers are permitted per statement cycle. Preauthorized transfers include: checks; ACH debits; Busey Debit MasterCard® purchases; online banking transfers; online bill payments; transfers requested over the phone; and, other automatic transfers.
* Withdrawals of funds made in person or at an ATM, and transfers made to pay loans held by Busey do not count toward this regulatory limit.
* If the number of transfers exceeds the regulatory limits, your account may be closed or your funds transferred to a non-interest bearing checking account.

 

Minor Savings

 

It's never too early to begin saving! Learning how to handle money at a young age can build the foundation for good financial habits. Start a custodial savings account with an initial gift and watch it grow. Start building your child's savings today with as little as $25, and help them achieve their savings goals with a monthly automatic transfer or BIG CHANGE to effortlessly grow your child's savings! Visit a Busey branch to start saving today.

  • Create your own Automatic Savings Plan with a monthly automatic transfer to your child's savings account to help them achieve their savings goals.
  • Convenient eStatements help teach money management and let your child watch their savings grow.
  • $300 minimum monthly balance requirement waived until minor reaches age 21. $25 minimum opening balance; please visit a branch to open a Minor Savings account.
  • Earns interest.

 

* Up to six preauthorized transfers are permitted per statement cycle. Preauthorized transfers include: checks; ACH debits; Busey Debit MasterCard® purchases; online banking transfers; online bill payments; transfers requested over the phone; and, other automatic transfers.
* * Withdrawals of funds made in person or at an ATM, and transfers made to pay loans held by Busey do not count toward this regulatory limit.
* * If the number of transfers exceeds the regulatory limits, your account may be closed or your funds transferred to a non-interest bearing checking account.

 

Money Market

Rates   Apply

After you're accustomed to saving money and have accumulated a larger balance, you may want to step up to this account and earn a higher interest rate. This account offers limited check writing ability along with tiered interest rates to help you maximize your savings. Add BIG CHANGE, and watch your savings grow every time you use your Busey Debit MasterCard.

Our Money Market Account earns a higher interest rate based on a tiered structure.

  • Interest paid monthly
  • Interest rate tiers:
    • $0-$2,499.99
    • $2,500-$14,999.99
    • $15,000-$49,999.99
    • $50,000 and up
  • No monthly maintenance fee if you maintain the minimum daily balance of $2,500; otherwise, pay a $15 monthly maintenance fee
  • 6 charge per check or preauthorized transfer over 6 per monthly statement cycle
  • Unlimited in-person withdrawals

 

* Up to six preauthorized transfers are permitted per statement cycle. Preauthorized transfers include: checks; ACH debits; Busey Debit MasterCard® purchases; online banking transfers; online bill payments; transfers requested over the phone; and, other automatic transfers.
* Withdrawals of funds made in person or at an ATM, and transfers made to pay loans held by Busey do not count toward this regulatory limit.
* If the number of transfers exceeds the regulatory limits, your account may be closed or your funds transferred to a non-interest bearing checking account.

 

Certificates of Deposit

Rates   Apply

Certificates of Deposit (CDs) can help you pursue your investment needs and goals while also providing safety of principal. Busey offers a wide range of CD terms and competitive interest rates.

 

Portfolio Certificate of Deposit

 

Available only to our Pillar Banking and Capstone Checking customers, the Portfolio Certificate of Deposit (CD) offers greater earning power and capital preservation by dividing a minimum deposit of $7,500 equally among three termed certificates - 12-month, 24-month and 36-months. Known as "laddering maturities," investing similar balances in multiple certificate terms provides many benefits:

  • Higher interest rates - longer term investments typically pay higher interest rates and do not require you to attempt to predict interest rate movements
  • Stable flow of income - a portion of your money is regularly available as different CDs mature
  • Liquidity - a portion of your investment will re-price in the market
  • Preservation of capital - CDs are insured for up to the maximum allowed by the FDIC

Pillar Banking customers enjoy this and many other benefits—including membership in our Pillar Club. Click here to learn more or apply!

 

Holiday Club Account

 

Holiday spending can put strain on a budget. Why not set money aside now in an interest bearing account to help you make the holiday season a little less painful for your wallet? Busey' Holiday Club Account gives you the flexibility to add as much or as little as you would like throughout the year for your holiday purchases. Make saving for the holidays even more painless with BIG CHANGE.

  • No minimum balance requirement
  • Deposits made monthly by automatic transfer from your Busey checking account
  • Interest paid and funds automatically transferred to your checking account on October 31 of each year

 

BIG CHANGE

 

When you swipe a lot, you save a lot!

BIG CHANGE allows you to save a little bit every day—effortlessly. Add BIG CHANGE to your checking account, then simply swipe your debit card, sit back and watch your savings account grow! Every time you use your debit card, the transaction is rounded up to the next nearest dollar. At the end of the day the total amount from all your transactions is automatically transferred to your preferred savings or money market account.

  • BIG CHANGE can be added to any personal checking account and transferred to any personal savings or money market account on which you are also an owner.
  • Both PIN and signature transactions qualify.
  • BIG CHANGE can be used with minor and holiday savings accounts.
  • BIG CHANGE from/to accounts are combined onto one statement, so the transfers are clear.

 

Individual Retirement Account (IRA)

Rates

Your goal is lifetime financial security, and a variety of savings vehicles will help you reach that goal. Don't overlook the IRA - a valuable opportunity for tax-advantaged savings.

Busey offers several types of IRAs to help you take control of your retirement:

  • Traditional IRA offering tax-deductible contributions
  • Roth IRA offering tax-free distributions of contributions and qualified earnings
  • Coverdell Education Savings Account offering savings for college tuition
  • SEP IRA offering self-employed individuals and small business employees access to a retirement plan

 

Busey promises the resources you need to succeed. Check out our Financial Education Tools to learn more about IRAs, or visit the My Employees | Saving for Retirement section of Busey's Business Resource Center for information on topics including:

Consult a Personal Banker today to open an IRA at Busey and take control of your retirement!

 

Student Banking | Building the Next Money Smart Generation

Did you know Busey offers tools and accounts to help prepare your children for financial independence? From kindergarten to college, help your child develop good financial habits to put them on the right path to handling their money responsibly.

Visit our Student Banking page to learn more!

 

Busey's progressive financial management hub of online services

 

 

Resources

  • Our Institutino is Rated 5-Stars by Bauer - Awarded June 2014
  • Better Business Bureau
  • Certified Green Business
  • Powered by Norton
  • Money Pass
  • Equal Housing Lender
  • FDIC

 

 

 

 

With five lines of business—personal, mortgage, commercial, cash management and wealth management—working together as One Busey, we can meet all your financial needs with confidence. Customers who partner with us are rewarded with the Busey Advantage—regional capabilities and local priorities. It's a commitment that has stood the test of time.

On the personal side, Busey Bank promises to make your banking hassle free with smart personal checking and savings accounts, convenient online banking and mobile banking solutions and consumer loans. Whether you are ready to buy your first home or simply want to refinance the one you currently own, our practical homemortgages, participation in a wide range of special loan programs and in-house mortgage expertise mean your home loan is tailored to your individual needs.

From opening your first business checking account or loan to creating a strong succession plan, Busey can help you manage your growing business. Our business banking, lending and cash management solutions give you the tools you need to keep your business successful and nimble. Our participation in a wide variety of specialized programs and in-house credit expertise allow us to tailor commercial lending packages to your unique situation and make faster credit decisions. Busey knows that cash flow is the lifeblood of a business—whether you need help with receivables, payables, liquidity, fraud protection or information reporting, we can customize your cash management solution to your growing business' needs.

You've earned it. We'll grow it. Busey Wealth Management provides asset management, investment and fiduciary services to individuals, businesses and foundations. We build a team of local professionals around your needs to establish the best strategy for your situation. We work closely with you to develop a personal, comprehensive plan that will help you meet your goals and objectives through each phase of the wealth management process.

Innovative Banking. Simplified.

It's your money, and you should be able to access your accounts whether you're out shopping or out of the country.

Busey makes it easy to securely manage your finances whenever you want, wherever you are.

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First home. Or dream home.

There's no place like it.

Busey promises to find the home financing that's best for you - whether you're just starting out, tired of renting or purchasing your dream home.

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A top partner for your bottom line.

You've worked hard to realize your dream of opening a business.

Busey promises to partner with you so you don't have to handle difficult decisions alone.

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You earn it. We'll grow it.

After years of hard work, you want to see your efforts pay off - literally.

Busey promises to make your money work for you.

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Our customers are our neighbors.

When it comes to navigating your unique financial journey, you want a partner who understands who you are, where you came from and where you are headed.

Busey promises expert advice to guide you through every important financial decision.

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Our roots run deep.

With roots that trace back more than 145 years, our professional farm managers are entrusted to care and maximize value for landowners controlling a combined 100,000+ acres of prime farmland in Illinois.

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A top partner for your bottom line.

You've worked hard to realize your dream of opening a business.

We'll build a relationship with you so you don't have to handle these difficult financial decisions alone.

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Your Dream. Our Promise.

You have big dreams.

Busey promises to help you realize those dreams.

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