Account Options

Regular Savings

INSOUTH’s Regular Savings account is the most popular savings product in our portfolio—and you’ll see why. Balancing access to your funds with short- and long-term earning potential, this comprehensive savings account is designed for virtually any saver, from the savviest to just-starting-outs.

In just minutes—and with as little as $100 to start—you’ll be on your way to saving big. Whether you’ve got a specific goal in mind or just want to start building that nest egg, the Basic Regular Savings account is the perfect go-to to set you on a journey towards financial success.

Start saving now:

• Open an account with just $100
• $5 service fee, waived with a $300 average balance.
• Interest compounded daily and credited quarterly—watch your savings grow fast
• Up to 6 FREE withdrawals per quarter, ensuring you have access to the cash you need when you need it, then $5 per withdrawal.

Contact Us

Custom Savings

A Savings Account Designed with Your Dreams in Mind. A high value savings account inspired by YOU!

No matter what inspires you INSOUTH’s Custom Savings Account could be your perfect solution. With a host of personalized options to fit your needs, savings goals and timelines, you’ll be able to create your own unique savings path to ensure you get there every time.

So go ahead, start planning. Custom savings account can be opened with as little as $25, meaning you’ll never have to back burner your financial future. Choose from a short-term maturity date that’s as little as six months away, opt for a longer-term three-year investment, or select virtually any date in between. Interest is compounded daily and credited to your account annually or when your account matures — whichever comes first. And when you need access to your cash fast — even outside of your custom schedule — INSOUTH can help, with low fees for early withdrawals.

• Open an account with as little as $25, and set the maturity from 6 to 36 months depending on your savings goals
• Make or Schedule deposits at any time during your savings cycle
• Your first quarterly withdrawal at no extra charge—after that, access your fund for as little as $5 per withdrawal
• Need to access your savings earlier than planned? Early withdrawal penalties are just $25

INDependent Savings

Got a little saver? Teach your kids to be INDependent with INSOUTH’s INDependent Savings Account.

Values that last a lifetime!

Great savers aren’t born but, instead, learn the value of saving and investing over time. With INSOUTH’s exclusive INDependent Savings account, your child can begin his/her journey towards financial independence starting right now.

Designed for kids from birth to age 22, the INDependent Savings account brings together critical money management skills with low balance requirements and interest that’s compounded daily, helping them see their savings grow even faster. As they continue to contribute to their account, your kids will gain more and more financial know-how, helping them become smart, savvy savers now and in the future.* 

Teach your children to save and develop good money management skills with the INSOUTH INDependent Account.

• This account is open to kids’ age birth to 22 years old.
• Only $10.00 to open
• No minimum balance requirement
• No monthly account fee
• 6 withdrawals per quarter, then $5.00 each
• Interest compounded daily and credited quarterly

Contact Us

*The age eligibility requirement for your INDependent Savigs account is birth to 22 years of age. Upon reaching the age of 23, your INDependent Savings account will be converted to a Regular Savings account. The Regular Savings account holders can avoid the imposition of the $5.00 Maintenance Service Charge by maintaining an average balance of $300 daily. There is no fee for the first 6 withdrawals each quarter. Any withdrawal over six will incur a $5.00 excess withdrawal fee. Interest is compounded daily and credited quarterly.

Christmas Club

’Tis the season to be jolly — especially when you can afford to be.

An INSOUTH Bank Christmas Club account can help you manage your savings on a monthly basis to help you reach your holiday spending goal. A happier holiday awaits, INSOUTH Bank’s Christmas Club puts you on the path to a happy, stress-free holiday season.

• Open an account with as little as $25
• Make deposits at any time during your savings cycle
• Your first quarterly withdrawal at no extra charge—after that, access your funds for as little as $5 per withdrawal
• Need to access your savings earlier than planned? Early withdrawal penalties are just $25
• Automatic transfer from checking and/or savings for your convenience
• Funds available on October 31st of each year.

Contact Us