Personal Banking
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Savings
Click here to see our Checking and Savings Brochure.


Youth Savings

Our Youth Savings account is an account for children under the age of 18. This special savings account earns a better interest rate than a regular savings account. The bank will make the first deposit of $1.


Statement Savings

This is the perfect account for the beginning saver. There are no service charges for the first 3 months on new accounts, and no service charges on accounts where a $200 average quarterly balance is maintained. Account may be linked to a Winona National Bank checking account for overdraft protection*

*Fees and restrictions may apply. Ask a personal banker for details.

Interest: Variable rate; earned daily and compounded quarterly with a $10 minimum balance.

Check out our current interest rates.


Money Fund (Money Market)

For savers who maintain at least $1,000, our Money Fund offers tiered interest rates so that you never need to shop for another money fund account again. As the balance increases, the interest rate increases—comparable to brokerage money market accounts, but FDIC insured. Account may be linked to a Winona National Bank checking account for overdraft protection*

*Fees and restrictions may apply. Ask a personal banker for details.

Interest: Variable rate; earned daily and compounded quarterly based on tier levels.

Check out our current interest rates.


Holiday Club

Holiday Clubs make saving for the holiday season easy.  Automatic payments are taken on the 15th and last day of each month from a Winona National Bank checking or savings account starting January 15 through October 31.  Holiday Club Accounts are available in $250, $500, or $1000 levels.  Please contact a Personal Banker for more details.


Savings Bonds

Get more information on Savings Bonds or access the Savings Bond Calculator


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