Dime Saver: A Smarter Way to Save!
This account helps your money grow with a great interest rate!
Dime Saver is available to customers with a High Interest checking or Cash Back checking account and make saving effortless.
Dime Saver Features:
- Savings account that pays interest*
- Earn 0.90% APY* on balances up to $50,000.00
- Earn 0.90% to 0.50% APY* on balances over $50,000.00, depending on balance in account
- Earn 0.01% APY* if qualifications are not met
- Earn 0.90% APY* on balances up to $50,000.00
- No monthly service charge
- No minimum balance requirements to earn rewards
- Many Mobile & Online Banking services included
- $50.00 minimum deposit to open
How to Earn Rewards:
Getting rewarded is easy and you’re probably already doing these things! Each Monthly Statement Cycle, just do the following activities and transactions in your High Interest checking or Cash Back checking account:
- Make 12 debit card purchases that post and settle.
- Be enrolled and log into Online Banking.
- Electronic Statements (eStatements) - be enrolled and receive your monthly account statement electronically.
That’s all it takes to keep the rewards rolling.
Miss a month? No big deal. You’ll still earn interest and you can qualify again next cycle.
*APY = Annual Percentage Yield. APYs accurate as of 04/01/2026. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Qualifications Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Statement Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by The Dime Bank as ATM transactions and purchases made with non-The Dime Bank issued debit cards.
The Monthly Statement Cycle ends on the last business day of each month. Transactions made after that date count toward the next month’s cycle.
Reward Information: When your High Interest checking or Cash Back checking account qualifications are met during a Monthly Statement Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle:
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Dime Saver accounts will receive 0.90% APY on balances up to $50,000.00 and .30% APY on balances of $50,000.01 and over. This will result in a blended APY ranging from 0.90% to 0.50% (depending on the account balance). This range assumes a $50,000.01 - $150,000.00 account balance, although higher balances are accepted.
- High Interest checking: Balances up to $15,000.00 receive 1.31% APY; and balances over $15,000.00 earn 0.30% interest rate on the portion of the balance over $15,000.00, resulting in a range from 1.31% to 0.43% APY (the APY will vary based on account balance). This range assumes a $15,000.01 - $115,000.00 account balance, although higher balances are accepted.
- Cash Back checking: 1.00% cash back on up to a total of $300.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $3.00 cash back may be earned per Monthly Statement Cycle.
When High Interest checking or Cash Back checking account qualifications are not met,
- Dime Saver: All balances earn 0.01% APY.
- High Interest checking: All balances earn 0.01% APY and ATM fees are not reimbursed.
- Cash Back checking: No cash back payments are rewarded and ATM fees are not reimbursed.
The interest earned in the High Interest checking account is credited to the account on the last business day of the Monthly Statement Cycle. The Dime Saver APYs may be less than the High Interest checking account APYs. If the Cash Back checking account is linked to a Dime Saver account, Cash Back checking rewards will be credited to your Dime Saver account on the last day of the Monthly Statement Cycle.
Additional Information: Account approval, conditions, qualifications, limits, timeframes and other requirements apply. A $50.00 minimum deposit is required to open the account. Enrollment in online banking, electronic statements (eStatements), log-on, and debit card transactions are required to meet the account’s qualifications. Limit of one (1) account per Social Security number. There are no recurring monthly service charges or fees to open or close this account. A High Interest checking or Cash Back checking account is required to have a Dime Saver account.