Individual Retirement Account (IRA) Savings Our IRA Savings1 is easy to open and helps you save pre-tax dollars. Start with as little as $100, and fund your retirement right. Choose from Traditional, SEP and ROTH. Features & Benefits No monthly service charge. Additional deposits can be made up to the annual maximum. Other Key Facts Minimum daily balance of $50 required to earn interest. Requires $100 opening deposit. Interest is paid monthly. IRA Savings withdrawal transaction limits apply. 1. Refer to disclosures provided at account opening and the Schedule of Fees and Charges for additional information.