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  • No minimum balance required  
  • No monthly service charge
  • Variable interest / compounded and paid monthly
  • $2500.00 minimum opening balance
  • No monthly service charge
  • Tiered interest / compounded and paid monthly
    Health Savings Accounts (HSAs) are tax-favored savings for individuals with high deductible health plans.  You can use the money you save in the HSA to pay for medical expenses for yourself, your spouse, or your dependents.  For your convenience, you will receive a debit card for your HSA rather than checks. 
    Tax Benefits: 
  • Your HSA contributions are tax-deductible.
  • HSA contributions made by your employer are excluded from your income.
  • HSA earnings are tax-deferred.
  • If used for qualified medical expenses, HSA assets are tax-free.
    Our Christmas Club Savers are some of the happiest individuals we have at Bank of Zumbrota. Why? Because they have their Christmas expenses paid for before they even start shopping. Christmas Club Savings is a safe and easy way to save now for all those Christmas purchases at the end of the year. Just thinkā€¦no more credit card bills in January and February. Instead of paying finance charges on your credit card balances, you can start earning interest now on your Christmas Club Savings. 
    How it works.  
    You can deposit money into your Christmas Club as often as you like. Some individuals find that a transfer from their Bank of Zumbrota checking account on payday works just great! When it matures on the third Monday in October, we calculate the interest you have earned, add it to your balance and mail you a check for the entire amount. Now you can shop!    
    Account Features:  
  • No minimum opening balance
  • No monthly service charge
  • Interest is compounded and paid at maturity
  • Make deposits as often as you like up to $250.00 per month
  • Maximum balance $3,000.00
    Early Withdrawal Penalty: 
    There is a $5.00 fee for withdrawal prior to maturity. The entire balance must be withdrawn, accrued interest will be forfeited, and no more deposits will be allowed until the account automatically renews on the third Monday in October. 
    Important Information About Procedures for Opening A New Account At Bank of Zumbrota  
    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  
    What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. 
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