A savings account designed to grow alongside your everyday banking. Signature Saver rewards the same digital habits that power your Signature checking account—making it easy to earn up to 3.00% APY* on savings without changing how you manage your money.
Signature Saver is built to complement Signature High Yield Checking or Signature Cash Back Checking—not compete with them. When you use your Signature checking account for everyday banking, the habits that unlock rewards there also support enhanced earnings in savings.
There’s nothing extra to manage and nothing new to learn. One relationship, one routine, and a smarter way to grow savings in the background.
Signature Saver is most powerful when paired with your Signature checking account. Using digital statements, secure debit card spending, and electronic deposits helps keep your banking efficient and protected. That streamlined approach allows Citizens Independent Bank to offer higher savings earnings—rewarding you for the way you already bank, not for locking funds away or meeting extra hurdles.
*When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to $100,000 in your Signature Saver account earn an Annual Percentage Rate (APY) of 3.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY between 3.00%-0.25% depending on the account's daily balance. APY accurate as of 04/01/2026.
When your linked Signature High Yield Checking or Signature Cash Back Checking account qualifications are not met during a Monthly Qualification Cycle, the entire daily balance in the Signature Saver account earns an APY of .05%.
Interest will be credited to your Signature Saver account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Minimum opening deposit of $25 is required to open the account. There are no recurring monthly maintenance charges or fees to open account; Early closing fee of $10 if within 90 days and other fees may apply. A Signature High Yield Checking or Signature Cash Back Checking account is required to have a Signature Saver account. A linked Signature Saver account is required for automatic savings. Contact a banker for additional information.
Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.