Savings

Compare Accounts

Optimum Money Market

Highest Dividends

Earn higher dividends with no service fees.

More About Optimum Money Market

Premier Savings

High Dividends

Save for the future with no service fees.

More About Premier Savings

Essential Savings

No Minimum to Earn

family in a field, kids running in the foreground

Grow your money with no service fees.

More About Essential Savings

Comparison table of personal savings accounts
	Verve Optimum Money Market	Verve Premier Savings	Verve Essential Savings
Dividend Rates	BUNDLED: up to 3.24% APY* NON-BUNDLED: up to 2.24% APY*	BUNDLED: up to 0.50% APY* NON-BUNDLED: up to 0.20% APY*	BUNDLED: up to 0.50% APY* NON-BUNDLED: up to 0.10% APY*
Tiered Dividend Rates Based on Daily Balances		None	None
Minimum Daily Balance	$5,000+ to Earn Dividends	$500+ to Earn Dividends	None
Monthly Service Fees	None	None	None
eStatements + eAlerts Free Digital Banking Availability-Unlimited Withdrawals
	Open an Optimum Money Market Account	Open a Premier Savings Account	Open an Essential Savings Account

BUNDLE + SAVE

Bundle Your Savings Account With a Checking Account + Credit Card for Better Rates + Lower Fees

Essential Bundle

FREE Checking

two women flexing their biceps while on a yoga mat in the park

Build a strong foundation

Get an Essential Bundle

Essential+ Bundle

Easy Access

mother and daughter swimming underwater with goggles

Plan for life's next big steps

Get an Essential+ Bundle

Premier Bundle

Bank Anytime

Navigate transitions + rebuild

Get a Premier Bundle

Optimum Bundle

Fast. Simple. Secure.

Optimize + build wealth

Get an Optimum Bundle

Need some help choosing?

Take this short quiz to find out which bundle is right for you.

More Ways to Save

Earn guaranteed returns. Choose your term and grow your savings.

Certificates

Get a flexible, safe, higher-dividend-earning retirement savings account.

IRAs

Save tax-deferred and withdraw for qualified medical expenses tax free.

HSA

Automate monthly deposits toward a specific goal—with flexible budgeting to boot!

Name Your Savings

Help your kids with money habits designed to grow with your child.

Youth Savings

LIVE LIFE WITH VERVE

Financial advice, community outreach, + more

Visit Our Blog

What are savings bonds, and what should I do with them?

Savings bonds are a type of low-risk savings product issued by the U.S. Treasury. Over time, they earn interest and increase in value. The tricky…

How to Build Financial Freedom in 6 Simple Steps

Want more control over your money? Learn six practical steps to financial freedom, including budgeting, saving, using credit wisely, and reviewing your financial goals.

Send Money Simply and Securely with Zelle®

Whether you’re splitting the dinner bill, paying your babysitter, or sending a quick gift to a family member, moving money should be simple. That’s where…

Meet Vera: A Faster, Smarter Bank by Phone Experience

Vera makes it easy to Bank by Phone. Get answers, complete everyday tasks, and connect with our team when you need personalized support.

The Legal Stuff

Verve Optimum Money Market

Verve Premier Savings

Verve Essential Savings