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Everyday Money Market

Save more without sacrificing liquidity. Our tiered interest rate system rewards higher balances with higher returns, so you can watch your savings grow while keeping your assets safe. And, just in case you need to access your funds, you can make withdrawals in person and write a few checks each and every month.

  • $500 minimum deposit to open
  • $500 average daily balance to waive $5 monthly minimum balance fee
  • Interest on all balances, Earn better rates than with regular savings
  • Direct check-writing ability
  • Online Banking
  • You are allowed 10 withdrawals per month; a $5 Excess Transaction Fee is assessed thereafter

Everyday Savings

This account is a great option for anyone looking to build their savings. 

  • $100 minimum deposit to open
  • $100 average daily balance to waive $3 monthly minimum balance fee
  • Earn interest on entire balance
  • Online Banking and e-statements
  • 10 withdrawals per month; a $1 Excess Transaction Fee is assessed thereafter

Individual Retirement Accounts

Support your longer-term savings goals and prepare for retirement. Both Traditional and Roth IRAs are available, and each offers a variety of tax advantages. Plus, we don't charge set-up fees or maintenance fees, so you can make the most of every dollar you're designating for retirement.

  • Tax-advantaged retirement savings*
  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $6,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $500 minimum deposit to open

*Consult a tax advisor.

  • No income limits to open
  • No minimum contribution in any year
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 72
  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Earnings are 100% tax FREE at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

*Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

Lifestyle Money Market

If you have a larger balance to invest, but still want to maintain access to funds, this account can provide the earning power and flexibility you need. With our tiered rate system, you can earn even higher interest as your balance increases over time.

  • $5,000 minimum deposit to open
  • $50,000 average daily balance to waive $15 monthly minimum balance fee
  • Tiered rates reward larger balances
  • Direct check-writing ability
  • Online Banking and e-statements

Transaction Limitations:

You are allowed 10 withdrawals per month; a $5 Excess Transaction Fee is assessed thereafter

Youth Savings

Designed for youth as a great option to build their savings.

  • Primary account owner must be 18 years of age or under and requires co-ownership with a parent or legal guardian if under 18 years old.
  • Account converted to Everyday Savings when primary owner turns 19 years old.
  • $10 minimum deposit to open
  • No monthly minimum balance fee after account opening 
  • Earn competitive, tiered interest rates
  • Online Banking and eStatements
  • 10 free withdrawals per month, $1 Excess Transaction Fee is assessed thereafter

Bank of Idaho Biz Mobile

Our Treasury Management mobile banking solutions, Bank of Idaho Biz Mobile lets you experience even greater control of your accounts. As an extension of Treasury Management, perform most of you cash management functions from the convenience of a mobile app. Download our free app to your smartphone or tablet to manage your Treasury Management services on the go.

Interactive Video Player

 

  • Intuitive navigation
  • Multi-user login support
  • Convenient access to account balances and recent transaction history
  • Transfers between your Bank of Idaho accounts
  • Process established ACH and Wire transfers
  • Approve ACH and Wire Transfer processed by other users
  • Review Positive Pay exceptions
  • Set up and receive a variety of real-time alerts
  • Deposit checks with the Mobile Deposit feature (Coming Soon)
  • Process payment to established Bill Pay billers (Coming Soon) 

To access Bank of Idaho Biz Mobile you must be enrolled in Treasury Management.

Message and Data rates may apply.

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U-Save

Your U-Save account can be paired with a U-Earn account, so rewards can be automatically transferred over each month. Just meet the qualifications for U-Earn, then sit back and see your savings grow. Of course, you can add your own deposits to it at any time!

  • Linked to free U-Earn account
  • 0.54% APY* on U-Save daily balances up to $10,000 if qualifications are met
  • 0.54 - 0.18% APY on daily balances over $10,000 depending on balance in the account and if qualifications are met*
  • 0.01% APY* if qualifications are not met on U-Earn
  • No monthly service charge
  • No minimum balance requirement after account opening
  • Free Online Banking
  • $10 deposit to open

Qualifying for U-Earn rewards automatically qualifies you for the best U-Save rate too! Simply meet the following U-Earn requirements each monthly statement cycle:

  • Debit Cards: Have at least 10 debit card purchases post and settle to your U Earn account
  • Direct Deposit or ACH: Have at least one direct deposit or one automatic payment (ACH) post and settle to your U Earn account
  • Electronic Statement: Customers must enroll account(s) in Electronic Statements through Online Banking

And if you miss a statement cycle, don't worry! Both accounts are still free and earn our base interest rate. The next cycle you qualify, you will get right back to enjoying the added benefits.

U-Save

Effective Date: Wednesday, March 26, 2025

U-Save (Rate Table)
BalanceInterest RateAPY
Don’t Meet Qualifications0.01%0.01%
$0 - $10,000.000.54%0.54%

Over $10,000.00

0.14%0.54% - 0.18% depending on balance in the account and if qualifications are met

Rates may change after account opening. $10.00 Minimum balance required to open the account. Fees may reduce earnings. You must be enrolled for and receive monthly eStatement notification to have this account.

*The minimum to open U-Earn account is $50. APY = Annual Percentage Yield. APYs accurate as of 9/01/2021. Rates may change after account is opened. For U-Earn, if qualifications are met each monthly statement cycle: (1) balances up to $10,000 receive APY of 0.64%, and balances over $10,000 earn 0.14% interest rate on portion of balance over $10,000, resulting in (2) 0.64% - 0.19% APY depending on the balance. If qualifications are not met on U-Earn, all balances earn 0.01% APY. Qualifying transactions must post to and settle U-Earn account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised U-Earn APY is based on compounding interest. U-Earn checking interest earned will be posted directly to associated U-Save account and does not compound. Actual interest amount paid may be less than advertised U-Earn APY. When monthly qualifications are met during the statement cycle ATM fees incurred on your U-Earn account during that cycle will be refunded up to $25. ATM receipt must be presented for refund of an ATM fee greater than $5.00. If qualifications in U-Earn are met each monthly statement cycle: (1) balances up to $10,000 in U-Save receive an APY of 0.54%; and (2) balances over $10,000 in U-Save earn 0.14% interest rate on portion of balance over $10,000, resulting in 0.54% - 0.18% APY depending on the balance. If qualifications are not met on U-Earn, all balances in U-Save earn 0.01% APY. The minimum to open a U-Save is $10. The U-Save APYs may be less than U-Earn APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

Open An Account

Premium Money Market

If you have a larger balance to invest, but still want to maintain access to funds, this account can provide the earning power and flexibility you need. With our tiered rate system, you can earn even higher interest as your balance increases over time.

  • Designed for customers with a higher balance
  • Earn better rates than with regular savings
  • Free Online Banking
  • $50 minimum deposit to open
  • No monthly minimum balance fee with minimum average daily balance of $50,000
  • Low minimum balance fee of $15 if minimum average daily balance drops below $50,000

Transaction Limitations:

You are allowed 6 withdrawals per month; a $5.00 Excess Transaction Fee is assessed thereafter.

Open An Account

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