Yes, all funds in your Personal Savings Accounts, High-Yield Savings Accounts, and Money Market Accounts are FDIC insured, meaning they are protected up to $250,000 per depositor, per account type and per insured bank in the event of a bank failure.

Some Regular Personal Savings Accounts may have fees for things like excessive withdrawals or falling below the required minimum balance. It’s important to review the terms for each specific account type to understand any potential fees.

You can access your funds in Regular Personal Savings Accounts and High-Yield Savings Accounts at any time via:

• Online banking
• ATM withdrawals
• In-branch withdrawals

For Money Market Accounts, you can also access funds via:

• Check-writing
• Wire transfers

To maximize the interest earned on your savings account: 

• Choose a High-Yield Savings Account or Money Market Account if you're looking for higher interest rates.
• Maintain higher account balances, especially in Money Market Accounts, which offer tiered rates.
• Consider setting up automatic deposits to consistently grow your savings.

• Regular Personal Savings Accounts offer lower interest rates but are easy to access with minimal requirements.
• High-Yield Savings Accounts offer significantly higher interest rates and are ideal for individuals who want to grow their savings faster.
• Money Market Accounts provide higher interest rates and additional features such as check-writing privileges, though they may require a higher minimum balance.

Interest rates for Regular Personal Savings Accounts are typically fixed and may be lower compared to High-Yield Savings Accounts. High-Yield Savings Accounts and Money Market Accounts usually offer variable rates that change with market conditions, but they are higher than regular savings rates.

A High-Yield Savings Account is a type of savings account that offers a higher interest rate than a regular savings account. The higher rate allows your savings to grow faster.

A Money Market Account is a type of savings account that offers higher interest rates than regular savings accounts and provides more flexible access to funds, including check-writing privileges in some cases.

A Regular Personal Savings Account is a basic savings account offered by banks to help individuals save money and earn interest. These accounts are ideal for those who want a safe place to deposit their money while earning interest over time. The interest rate is typically lower compared to High-Yield Savings or Money Market Accounts.

Interest on all savings accounts is typically credited monthly to your account balance. However, the frequency of interest payments can vary depending on the bank and account type.

• Regular Personal Savings Accounts may have a monthly maintenance fee if your balance falls below a certain threshold.
• High-Yield Savings Accounts and Money Market Accounts generally do not have monthly fees, but you may incur fees for exceeding transaction limits or falling below required minimum balances.

There are typically withdrawal limits on Regular Personal Savings Accounts, High-Yield Savings Accounts, and Money Market Accounts. Federal regulations allow up to six withdrawals or transfers per month for savings accounts. Exceeding this limit may result in a fee or the account being converted to a checking account.

Yes, you can transfer funds between your Regular Personal Savings Account, High-Yield Savings Account, and Money Market Account through online banking or in-branch transfers.

Yes, you can upgrade your Regular Personal Savings Account to a High-Yield Savings Account or Money Market Account, depending on your savings goals and needs. Contact customer service or visit a branch for more information.

Yes, you can write checks from a Money Market Account. This is one of the benefits that differentiate MMAs from regular savings accounts.

You can deposit money into your savings account in several ways: 

• Online transfers from a linked checking account
• Direct deposits from your employer
• ATM deposits at participating ATMs
• In-branch deposits at any SBI California location
• Mobile check deposit through online banking apps

For assistance with any of your savings accounts, contact our customer support team by: 

• Calling [Number]
• Visiting a branch near you
• Sending an email to [Email Address]

To close your Regular Personal Savings Account, High-Yield Savings Account, or Money Market Account, you can visit a branch or contact customer service. Ensure your balance is withdrawn and there are no pending transactions before closing the account.

The minimum deposit for a High-Yield Savings Account is usually higher than that of a regular savings account, typically around $1,000. Check the latest offers for specific details.

The minimum deposit for a Money Market Account typically starts at $500, although this can vary depending on the specific product and tier.

The minimum deposit required to open a Regular Personal Savings Account is typically $25 to $100, but this can vary depending on the bank.

If you notice any suspicious activity, immediately contact customer service. Our team will help you resolve the issue and protect your account.