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Savings and Money Market


Save smart with Northway Bank

Statement Savings is ideal for short-term goals or emergency funds. Our higher-earning money market account makes sense for your cash reserves. Northway Bank also offers a tax-free health savings account to complement high-deductible health plans.
Statement Savings
Maintain a balance of at least $100 and you'll earn interest while avoiding the low service fee.

Money Market
Higher earnings for your cash reserves. Earn tiered interest on your balance of $1,000 or more.

Health Savings Account
Do you have a high-deductible health plan? You're eligible for an HSA account.






Statement Savings

The Statement Savings account is a simple way to meet your financial goals, no matter how big or small. This interest-bearing account will facilitate financial growth and help you achieve your dreams.




  • $10 minimum opening balance
  • Earn interest on balances of $100 or greater
  • Unlimited Northway Bank ATM and Northway Bank over-the-counter teller withdrawals. Up to six pre-authorized, telephone, or automatic transfer withdrawals per monthly statement cycle.1
  • Monthly statement options
  • Can serve as overdraft protection when linked to a checking account for Overdraft Sweep




  • Maintain an average collected balance of at least $100 to avoid the $2 monthly service fee, or
  • Monthly service fee waived if primary account holder is younger than 18 or 62 or older.2























Money Market

A money market account is an ideal way to get greater earning power from your cash reserves. Enjoy the potential for a higher rate of return and easy access when you’re ready to use your funds. TrueNorth Relationship Checking Account customers are eligible to exclusive access to our TrueNorth Relationship Money Market Account, which offers premium rates




  • Convenience of check, debit card, online, and mobile access
  • Anytime-access that comes with having a liquid account
  • Stronger earnings potential that comes with tiered interest rates
  • Peace of mind that comes from knowing your deposits are fully insured up to FDIC limits 
Money Market
  • $1,000 minimum opening balance
  • Earn interest on balances of $1,000 or more
  • Tiered interest rates offer the potential to earn a higher interest rate with a larger account balance
  • $8 monthly fee waived if you maintain an average balance of $1,000
TrueNorth Relationship Money Market Account
  • Must have TrueNorth Relationship checking account
  • $1,000 minimum opening balance
  • Earn interest on balances of $1,000 or more
  • Tiered interest rates offer the potential to earn a higher interest rate with a larger account balance
  • $8 monthly fee waived if you maintain an average balance of $1,000
  • Other terms and conditions apply, see TrueNorth Relationship Money Market Account



  • Unlimited ATM and Northway Bank over-the-counter teller withdrawals.
  • Make up to six withdrawals per monthly statement cycle via check, debit card, or other electronic or pre-authorized debit.1























Health Savings Account

A Health Savings Account (HSA) is a tax-exempt account that enables you to save pre-tax dollars for future healthcare expenses.  Unlike flexible spending accounts, the funds are not subject to forfeiture if not used, which allows you to build up a savings account for future medical expenses. To be eligible, you must be enrolled in a high-deductible health plan. Withdrawals from a health savings account are tax-free as long as the funds are used to pay for qualifying medical expenses.  



  • Tax-exempt (consult a tax advisor) savings accounts used to pay for qualified medical expenses
  • Accessible through an HSA debit card, which makes payments easy
  • Portable if you change jobs
  • Used in conjunction with a high-deductible health plan
    • A high-deductible plan is a health plan with an annual minimum deductible of $1,350 for single coverage or $2,700 for family coverage3
    • A high-deductible plan must meet out-of-pocket limits: deductible, co-pays, and co-insurance not exceeding $6,650 for single coverage or $13,300 for family coverage3
  • Unlike many medical reimbursement plans, unspent HSA savings carry over year-to-year—similar to an IRA


  • Offset higher deductibles
  • Save for current and future medical expenses
  • Control your healthcare dollars
























1 Unlimited Northway Bank ATM and Northway Bank over-the-counter teller withdrawals are allowed on this account. Federal regulation prohibits more than 6 pre-authorized, telephone, or automatic transfer withdrawals per monthly statement cycle from this account; no more than 6 withdrawals or transfers from this account may be by check, draft, debit card, online banking, mobile banking, bill payment, telephone transfer, ACH payment, or other similar item. An excess transaction fee of $12 will be imposed for each transaction in excess of the limit established by federal regulation.

2Account holder must notify Northway Bank that he/she meets age requirement for monthly service fee waiver.

3 Amount subject to change.