Essential Savings Accounts
Essential Savings Accounts

Secure account to accumulate funds.

Essential Savings Account

  • Online Banking
  • Mobile Banking1
  • Personalized Deposit and Withdrawal Slips Available2

Account Features

  • Minimum opening deposit – $100
  • Interest compounded and paid quarterly3
  • Unlimited deposits
  • Quarterly service charge – $3 
  • Quarterly service charge reduced $3 if a minimum average daily balance of $50 is maintained for the calendar quarter4
  • An additional service charge of $1 will be charged for each withdrawal over six (6) per calendar quarter (excessive withdrawal)
  • Lowest possible service charge for this account is $0
  1. Message and data rates may apply. Please contact your mobile carrier for details.
  2. Personalized deposit and withdrawal slip prices may vary.
  3. You must maintain a minimum daily balance of $50 in the account each day to earn interest for that day. Interest is calculated by the daily balance computation method which applies a daily periodic rate to the balance in the account each day. An accrual of less than $0.01 per statement cycle will not be paid.
  4. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Ireland Bank will be closed Thursday, November 28th in observance of Thanksgiving Day.

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