Chase Bank – Chase Savings – Monthly Service Fee of $5, OR $0 if

Chase Bank –

Chase Savings –

Monthly Service Fee of $5, OR $0 if there is either:

A balance at the beginning of each day of $300 or more in this account,

OR at least one repeating automatic transfer of $25 or more from your personal Chase

checking account or Chase Liquid Card,

OR an account owner who is an individual younger than 18,

OR a linked Chase Premier Plus Checking, Chase Sapphire Checking, or Chase Private

Client Checking account.

Minimum Deposit to open: $25

$5 Savings Withdrawal Fee, which applies to each withdrawal or transfer out of the account.

Wells Fargo –

Way2Save Savings –

Monthly Service Fee of $5. Avoid the monthly service fee when you maintain one of these

options:

A $300 minimum daily balance OR

A recurring, automatic savings option

Are under the age of 18 and are the primary owner of the account.

Features:

Save As You Go Transfers: Wells Fargo will transfer $1 of your funds from a linked Wells

Fargo checking account to your Way2Save Savings account for each non-recurring debit

card purchase.

Can set up automatic transfers to reach your savings goals.

Overdraft protection

for your checking account.

1 For Way2Save Savings you need to set up and maintain at least one qualifying automatic savings transfer option

(monthly, daily or Save As You Go) from a Wells Fargo checking account. If the automatic transfer does not occur in any

monthly service fee period, the monthly service fee will apply.

2 Subject to applicable transfer fees.

Bank of America –

Rewards Savings Account –

Monthly Fee of $8 per month, or no fee if:

You maintain a minimum daily balance of at least $500, OR

You link your Rewards Savings account to your Bank of America Advantage Relationship

Banking account, OR

If you are a Bank of America Preferred Rewards client.

*For new Rewards Savings accounts Bank of America will waive the monthly fee for the first 6

months from the account’s opening.

Required Opening Deposit of $100

No Withdrawal Limit Fee for the first 6 transfers or withdrawals per monthly statement cycle. A

$10 fee applies for each withdrawal or transfer after the first 6 in a monthly statement cycle.

A Rewards Savings account comes with, Mobile Banking, Automatic Transfers, Alerts, and

Overdraft protection.

Key Bank –

Key Active Saver Account –

Monthly Maintenance Fee: $4. Avoid Maintenance Fees with:

$300 daily balance, OR

$5 monthly minimum direct deposit or recurring transfer from another Key account, OR

A HelloWallet Financial Wellness Score of at least 1.

Minimum Opening Deposit: $10

Use Account for Overdraft Protection

Qualifies for Relationship Balances

People’s United Bank –

Plus Savings –

$50 minimum opening deposit

Must open a checking account this bank in order to open a savings account.

No monthly maintenance fee.

Webster Bank –

Webster Value Savings –

$5 minimum opening balance

Monthly fee of $5. Fee will be waived if:

One maintains a $300 minimum daily balance, OR

Is a primary owner of a Webster Checking Account, OR

Is under age 21 or is 65 years or older.

Will earn interest on savings at 0.02% APY.

Thomaston Savings Bank –

Personal Savings –

$25 minimum balance to open

Savings will earn interest at a rate of 0.10% compounded daily and credited to the account on

the second to last day of each month. Withdrawals and fees may reduce interest earnings.

Citibank –

Citi Savings –

$0 minimum opening deposit

Monthly Service Fee:

$4.50 for a Citi Savings account not linked to a Citi Checking Account. If a Checkless

Regular Checking Account is linked, the combined fee is $10. If a Regular Checking

Account (with checks and overdraft protection/fees) is linked, the combined fee is $12.

How to avoid monthly service fee:

With Checkless Regular Checking Account:

Make one qualifying direct deposit OR one qualifying bill payment per statement period OR

maintain a $1,500+ combined average monthly balance in eligible linked accounts.

With Regular Checking Account:

Make one qualifying direct deposit AND one qualifying bill payment per statement period OR

maintain a $1,500+ combined average monthly balance in eligible linked accounts. Fee also

waived for first listed account owners 62 or older.

For a Citi Savings account not linked to a Regular Checking Account OR a Checkless

Regular Checking Account: Maintain an average monthly balance of $500 or more.

Citizens Bank –

Green Savings –

Minimum balance to open: Any amount above $0.

Monthly Maintenance Fee of $4.99

How to waive Monthly Maintenance Fee:

Keep a minimum daily balance of $200 in your savings account. The account will

automatically receive a fee waiver on the first 4 monthly maintenance fees.

Available for savings overdraft transfer.

Will earn variable interest rate of 0.01% APY.

Ally Financial –

Online Savings Account –

Online Banking: Ally does not have any physical banking locations.

No Maintenance Fees. No minimum balance required.

Earn an interest rate of 2.00% APY

There is a federal limit of 6 transactions from a savings account. Ally will charge a $10 fee for

each transaction after the 6

transaction from your savings account in a statement cycle.

TD Bank –

Monthly Maintenance Fee of $5, OR $0 if there is either:

Daily balance of $300 or more in the account,

OR the fee is waived for 12 months only if there at least one repeating automatic transfer of

$25 or more from your personal TD checking account

OR an account owner is younger than 18,

Liberty Bank (CT) –

Cinch Savings and Club Savings:

$0 monthly fee

$0 monthly maintenance service charge

Free e-statements

$25 minimum to open Cinch Savings

$5 minimum to open Club Savings. This functions like a Christmas Club account. You make

regular deposits and the bank sends you a check for your balance plus interest in October.

United Bank (CT and MA) –

Monthly Maintenance Fee of $5, OR $0 if there is either:

Daily balance of $250 or more in the account,

OR the fee is waived if a transfer of $25 or more is made into the account via Automatic

Funds Transfer during the statement cycle.

Union Bank –

(Statement Savings)

Monthly Maintenance Fee of $3, OR $0 if there is:

A daily balance of $300 or more in the account,

Santander Bank –

Minimum Opening Deposit: $25

Monthly Fee: $1

How to avoid the Monthly Fee:

Monthly Fee is waived with any consumer Santander Checking account, or with a $100

average daily balance in the Santander Savings account.

Capital One –

360 Savings Account –

Fee-Free: No monthly fees to keep your account.

$0 to open or keep the account.

1.00% APY

Can use your Capital One Card at Allpoint ATMs without any fees.

Start Community Bank

A fee of $5.00 will be imposed every month if the average daily balance for the statement cycle

falls below $25.00.

Minimum balance to open: $25.00

An excess electronic transaction fee of $10.00 will be charged when electronic debits exceed

six during a statement cycle

Interest paid on any balance – no tiers

Nutmeg State Financial Credit Union

Regular Share Account (same as savings account)

Just like a savings account, your interest-earning share account is the basic component of your

credit union membership. A deposit of $5 is required in this account at all times. No fees.

Connex Credit Union

“To open a membership, all we ask for is a small initial deposit of $25. It’s not a fee and the

money remains in your account. Once you get to the account selection page where you can

choose which types of accounts to open (Checking, Money Market, etc.) you’ll see what the

minimum deposits are for those accounts.

Dime Bank

$25 starting balance to open your account

To avoid a minimum balance fee of $2, you must maintain a daily balance of $200; other fees

may apply.

A $20 minimum daily balance is required to earn Annual Percentage Yield. Interest is

compounded daily and credited monthly. Interest rates are variable and are subject to change at

any time.

Ion Bank

Statement Savings Account -

No minimum contribution required

Free Direct Deposit

Savings Institute Bank and Trust

Statement Savings Account --

Minimum $25 deposit to open

Choose to sign up for Overdraft Protection and your savings account will serve as a safety net

for debits against your checking account. However, a $5 service fee will be charged to transfer

money from your savings account to your checking account.

Free access to online banking services.

First County Bank

First Savings

Monthly Maintenance Service Charge: $4

Minimum balance to avoid Service Charge: $200

Newtown Savings Bank --

Statement Savings Account

Monthly Fee: $3 --

Minimum Daily Balance to Waive Fees: $250 — Monthly fee is also waived for people under

age 18.

Savings Bank of Danbury

Statement Savings

Minimum of $10 to open account. No monthly service charges.

Minimum $5 balance is required to earn APY. Interest is compounded continuously and paid

monthly.

Includes free access to Savings Bank of Danbury online banking, mobile banking and telephone

banking.

Transfers from a Statement Savings account are limited to 6 per statement cycle.

Fairfield County Bank

Statement Savings account

$500 minimum to open

Monthly maintenance fee is waived if:

Average daily balance is $500 or more during the statement cycle

Depositor is under the age of 18, over age 50, or a student under the age of 22.

Earns a tiered rate of interest

Chelsea Groton Bank

Statement Savings

$25 minimum to open

No monthly maintenance fee with balances of $200 or greater.

Easy access to your money online, in-person, over the phone or at the ATM.

Bankwell Bank –

Smart Savings

Earn 2.00% APY on Smart Savings when you have a Smart Checking account at Bankwell.

Windsor Federal Savings –

Statement Savings

Keep $200 in this account to earn interest and avoid a monthly service charge.

Can use for overdraft protection on a Windsor Federal Personal Checking Account.

Earn interest at a rate of 0.10%

Torrington Savings Bank –

Hometown Savings

$5 minimum deposit to open

Monthly service charge of $1 for balances below $200. Waive the service charge with direct

deposit or by combining with a checking account.

Available as Passbook or Statement Savings.

Earns interest set by the bank.

Connecticut Community Bank –

Statement Savings Account

Minimum to open account is $100.

Monthly Service Charge Fee: $2 per month.

No monthly Service Charges if:

A $200 average collected daily balance is maintained, OR

The account owner is 55 years or older, or is under 18 years of age.

Interest from the savings will be compounded monthly. A minimum daily balance of $200 is

required to earn interest.

M&T Bank –

Relationship Savings account

Monthly maintenance charge of $7.50, unless you:

Maintain a daily balance of $500 or more, OR

Have a personal checking account with M&T Bank, OR

Make at least one deposit in your savings account during the monthly service cycle.

Account can be used to provide overdraft protection to a linked M&T checking account.

Excess Withdrawal Fee of $12.50 for each withdrawal or transfer after the 6

transaction during

the monthly service cycle.

Pays interest of 0.02% if account balance is $1 or more.

Berkshire Bank –

Statement Savings

$5 monthly maintenance fee for each month that the balance falls below $250 minimum any day

during the statement cycle.

Can be used for overdraft protection for a Berkshire Bank checking account.

Milford Bank –

Statement Savings

$25 minimum to open

$100 minimum balance or $2 fee per statement cycle applies (unless under 18 years of age).

Minimum daily balances are required to receive interest at annual percentage yields.

Patriot Bank –

Savings account

Requires a minimum opening deposit of $100; and

Is a variable rate account

Maintain a minimum average daily balance of $250 or more.

Putnam Bank –

Statement Savings account

$20 minimum to open

$200 minimum balance to avoid monthly fee

$2 monthly fee applies if balance is below minimum. The fee will be waived if the account has a

monthly direct deposit, or if the account owners are under the age of 18 years or over the age of

62 years.

Variable interest rate; $50 minimum to earn interest

Essex Savings Bank –

Statement Savings account

No fees if there is a minimum balance of $100; Fees are waived for account holders 18 years or

younger.

Provides overdraft protection when linked to an Essex Savings Bank Checking account.

Litchfield Bancorp –

Passbook and Statement Savings accounts

[Fees not listed on website]

Guilford Savings Bank –

Smart Savings

Must have checking account at GSB in order to obtain a Smart Savings account.

No more than 6 transfers from your account each statement period.

[Fees not listed on website]

Simsbury Bank –

Statement Savings

Low monthly service charge if minimum balance is not maintained.

Interest is earned on all balances.

Northwest Community Bank –

Statement Savings Account

Minimum $50 deposit to open

Access to your funds through your ATM Card

Members First CT Credit Union –

Account is opened with a minimum of $25, one full share. Must maintain at least a $25 balance

to retain membership at this credit union.

American Eagle Financial Credit Union –

Open your account with as little as a $5 deposit and a completed membership application.

No monthly service charge for active accounts*. (*Inactivity fee charged monthly for savings

accounts with balances of less than $100.

Dutch Point Credit Union –

Special Purpose Savings Account

Minimum deposit of $5.

360 Federal Credit Union –

0.05% dividend rate

Hartford Federal Credit Union –

$50 to open a Share Savings account.

Share Savings account balances over $100 will earn dividends that are compounded and paid

quarterly.

Charter Oak Credit Union –

Regular Share account

Establishes your Charter Oak membership; Allows unlimited deposits and withdrawals.

Northeast Family Federal Credit Union –

$10 deposit to open savings account.

A low balance fee applies if your total account balance is below $300.

First Bristol Federal Credit Union –

Must deposit a minimum of $5 to open this savings account. Opening it will initiate your

membership at the credit union.

Finex Credit Union –

$10 minimum balance required

Day-to-day dividends, compounded and paid monthly.

Tobacco Valley Teachers Federal Credit Union –

Minimum balance of $25 is required to open their Share Savings account. The minimum

balance represents one share of ownership in the credit union.

Dividend rate of 0.10%.

GHA Federal Credit Union –

A minimum balance of $25 is required to open a Share Savings account, and retain

membership at GHAFCU.

Their Share Savings Accounts earn dividends on all balances exceeding $500.

Greenwich Municipal Employees Federal Credit Union –

Regular Savings Account

Your savings account represents one unit of ownership in the credit union. Savings accounts

must maintain a $50 minimum balance to be eligible to use all Credit Union services.

Dividends are paid quarterly to the account.

Groton Municipal Employees Credit Union –

$25 member share is kept in your savings account and is unavailable for use.

Dividends are paid quarterly.

Scient Federal Credit Union –

Share Savings account established a membership with the credit union.

$5 minimum balance required to open.

Dividends are paid and compounded monthly.

Connecticut State Employees Credit Union –

Opening deposit of $25

Minimum balance of $25

Dividends paid quarterly.

Connecticut State Police Credit Union –

“Serving the Connecticut State Police & the Department of Emergency Services and Public

Protection.”

Opening deposit of $25 into a Regular Share Savings Account entitles you to all the benefits

provided by the credit union.

Seasons Federal Credit Union –

Share Savings

$5 minimum deposit to open and maintain credit union membership.

All accounts maintaining an average daily balance of less than $350 during the month will be

assessed a low balance fee of $5.50 per month. Accounts with any of the below listed attributes

are excluded from the fee:

Account open for less than 90 days | Under age 18 | Any open loans | Closed loans within the

last 9 months | Payroll deposit | EFT deposit within the last 2 months | ACH payroll deposit

within the last 2 months | Account holders with a Sapling Savings & Kiosk Savings account

Sikorski Credit Union –

$5 minimum deposit to open the account.

Fees listed on a document on Sikorski Credit Union’s Website:

https://www.sikorskycu.org/SikorskyCU/media/Documents/Disclosures%20and%20Agreements/

July12018ScheduleofCharges.pdf

New Haven County Credit Union –

A deposit of $5 to the Regular Savings Account entitles you to all the benefits and services

provided by NHCCU.

Dividends calculated using the average daily balance method.

Norwalk Hospital Credit Union –

$25 minimum balance required to open account and maintain membership.

Dividend rate of 0.10%.

UBI Federal Credit Union –

“Savings are deposited into a regular share account, which opens your membership. Funds

must remain on deposit in order to take advantage of other credit union services.”

Minimum balance is $100. Dividend rate is 0.05%.

Mutual Security Credit Union –

Opening balance of $5 required to maintain membership.

Limit of 4 withdrawals per year for a TruSavings account.

The Save More Savings account is only available to those who have MSCU’s Gain More

Checking account. The Annual Percentage Yield is 0.50% for those who meet the bank’s

qualifications.

Pitney Bowes Employees Federal Credit Union –

Savings Account has an Annual Percentage Yield of 0.60%.

Balance of $50 is required to open an account and receive stated APY.

Stamford Federal Credit Union –

Share Savings Account

Open with $25, which functions as your share in the credit union.

Must deposit and maintain a minimum balance to be eligible for the benefits that come with

credit union membership.

Must have the minimum balance of $25 to earn the dividend rate and APY of 0.10%.

*Last Updated 1/2019