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Personal Savings

A Personal Savings Account through AAA includes the convenience of online banking and can tie to your AAA Checking Account for instant overdraft protection. The simplicity of this account also makes it a great “starter account” for young children as a way to introduce them to the concept of saving.

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No monthly service charge or monthly balance requirement to worry about

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Only $25 deposit required to open this account

Open a Personal Savings Account
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Is a Personal Savings Account right for me?

Competitive Rates

  • Open your account with as little as $25. 
  • Enjoy zero minimum balance requirements.

Convenience

  • Deposit your money with direct deposit, online and mobile transfers, postage-paid envelopes or via wire transfers. 
  • Use mobile banking to check your balance, deposit checks and transfer funds on the go. Never worry about monthly service charges. 
  • Enjoy the convenience of a personalized AAA ATM Card. 
  • For ease and convenience, you can make cash deposits 24 hours a day, 7 days a week at select Allpoint ATMs. Locate the nearest Allpoint ATM accepting your cash deposit today.

Security

  • Funds are FDIC insured for your protection (up to applicable limits). 
  • Monitor and protect your credit with ProtectMyID, available for purchase or included with your AAA Membership.
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Personal Savings Interest Rates

Explore the rates for our Personal Savings Account. Rates are variable and subject to change without notice. These rates are up to date as of 9/1/2024. If you’d like to confirm rates before opening this account, call us toll-free at 855.999.BANK (2265).

Minimum Balance for APY*

$0 - $1,499.99 = .05%

$1,500 - $4,999.99 = .12%

$5,000 - $14,999.99 = .16%

$15,000 - $39,999.99 = .25%

$40,000 and above = .40%


*Annual Percentage Yield (APY) is valid as of 9/1/2024. Personal accounts only. This is a variable rate account. Interest may change at any time without prior notice. APY represents highest tiered interest rate available for account. $25 minimum balance to open. No monthly fees. Other fees could reduce earnings on the account. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account.

Open a Personal Savings Account

Personal Savings Facts and Fees

Feel confident about opening this account—we’ve laid out all the facts and fees associated with our Personal Savings Account so you know exactly what you’re getting when you sign up.

Facts Fee
Monthly Service Fee
Some accounts require a monthly fee–not this one.		 $0.00
ATM Withdrawal Fee
The fee charged when using a non-AAA ATM		 $3.50
Account Services Fee
Cashier’s Check Fee (customers only)
A check that’s guaranteed by our bank		 $25.00
Dormant Fee $5.00
Escheatment Fee $50.00
Debit or ATM Card Replacement
Replace your card for a small fee		 $5.00
Rush Order for Debit or ATM Card
If you need a new Debit or ATM Card rush ordered		 $15.00
Non-AAA ATM Usage $3.50 per transaction
Foreign Currency Conversion 2%1
Wire Transfers
Another way to send money from one account to another		 Fee
Wire Transfer Fee (incoming, domestic) $0.00
Wire Transfer Fee (outgoing, domestic) $25.00
Wire Transfer Fee (incoming, international) $0.00
Wire Transfer Fee (outgoing, international) $35.00

Open a Personal Savings Account


1 We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars.

Compare AAA Savings and CDs

Features High-Yield Savings
learn more		 Personal Savings Money Market
learn more		 Certificates of Deposit
learn more
Minimum to Open $100 $25 $100 $1,500
No Monthly Service Charge $5/month if minimum balance is not maintained $5/month if minimum balance is not maintained
No Minimum Balance $100 $1,500
AAA ATM Card NA
Mobile Banking
Online Access
Bill Pay NA NA NA NA
Quarterly Statements
(monthly)
(with other accounts)
Transactions Make up to six withdrawals/debits per month** Make up to six withdrawals/debits per month** Make up to six withdrawals/debits per month** NA
Check Writing NA NA NA

** You may make up to six withdrawals/debits from your savings account per month at no charge. Withdrawals in excess of six per month could result in a change in account type or closure of the account as required by regulation. For further information, please refer to the account terms and conditions provided at account opening.

Personal Savings FAQs

Personal Savings Account

How much do I need to open this account?

The minimum opening deposit for a Personal Savings Account is $25.

What is the interest rate for this account?

The interest rate is tiered and you can earn up to .40% APY*.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

What do I need to open this account online?

It’s good to have a few things handy so you can open your Personal Savings Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN) 
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID) 
  • A U.S. checking or savings account to fund your new account 
  • An active email address

How do I add money to my account?

You can add money a few ways:

  • Transfer money between your different AAA accounts 
  • Transfer money between your AAA account and your non-AAA banking accounts 
  • Use our mobile app to deposit checks 
  • Set up direct deposit for your paychecks 
  • Add money via wire transfer

What’s the routing number?

Our routing number is 072471968.

ATM Cards

Does this account include an ATM card?

Yes. You’ll get a AAA ATM card when you open a Personal Savings Account.

How can I use my AAA ATM card?

You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs. 
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Is there a daily ATM withdrawal limit for the AAA ATM card?

Yes. The daily limit for ATM withdrawals is $800.

Other

How secure is my online account?

By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.

Is your bank FDIC insured?

Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.

Do I have to be a AAA member to open an account?

Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800.AAA.6424.

Open a Personal Savings Account

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