Online Savings Account - 3.00% APY

• $100 minimum deposit to open.
• Avoid maintenance fees with an average balance above $5,000.
• Checks writing available.
• Up to 6 withdrawals per month.

Fee and Feature Guide

Savings Account
Interest Rate
APY 3.00%
Minimum deposit amount $250,000.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $100.00
Minimum Balance to Avoid Fees $5,000.00
Minimum Required Balance $0.00
Monthly Maintenance Fee $10.00
Foreign ATM Fees $1.00
Insufficient Funds Fee $34.00
Incoming Wires N/A
Paper Statements Yes
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.

Recent Rate Changes

Date APY
December 1, 2023 3.00%
August 20, 2023 2.50%

Customer Reviews for IncredibleBank

  • May 21, 2021 |

    avoid this

  • April 29, 2021 |

    62 bps isn't so incredible if you need to go over FDIC limits with a B-rated bank to get it. The rate below that is 25 bps and then you still need $150,000.

  • April 25, 2021 |

    $300k is over FDIC limits for individuals. Do you accept joint accounts?

  • January 4, 2021 |

    The rate is 0.25% on balances under $300,000. Nobody in their right mind is going to go over $250,000 in this bank. Bestcashcow should remove it.

  • November 27, 2020 |

    I thought it was a good rate, but I am not going over FDIC limits in a bank I've never heard of.

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