Clay County Savings Bank
Quick Summary
- HSA savings account
The Verdict
Clay County Savings Bank provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Formed in 1922 to serve the home financing needs of the public, our focus is now on serving the expanded personal and small business banking and credit needs within the communities where we are now located. We have a commitment to personal attention and exceptional service as we strive to be the neighborhood bank where customers are known by name. In addition to a full range of products and services, customers have access to three banking facilities (plus an ATM in Smithville) in the Clay County, Missouri, area with convenient hours, access to over 4,200 ATMs worldwide without fees and surcharges, and access to accounts 24/7 through online banking via the Internet. Further, our customers enjoy no afternoon cutoffs, allowing deposits made during business hours to be credited the same day regardless of the time of day, even on Saturdays. Loan decisions are made locally by our management team and we service almost all our loans.
The Bank is a community-oriented financial institution offering selected financial services to meet the needs of the communities it serves. Although established primarily to meet the home financing needs of the public, the Bank is now a full-service financial institution that serves the expanded credit needs of residents and businesses in its market area. The Bank currently offers a variety of deposit accounts, including personal and business checking accounts, and statement savings accounts, flexible-term certificates of deposit, and individual retirement accounts.
Key Features
Banking & Access
Includes debit card.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Clay County Savings Bank currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $25,000+ | 0.20% |
Last updated: 03-22-2024
Contact Information
Address
1178 W. Kansas St. Liberty, MO 64069-0277 Customer Service Mailing Address P.O. Box 277 Liberty, MO 64069-0277
Customer Service
(816) 781-4500
1178 W. Kansas St. Liberty, MO 64069-0277 Customer Service Mailing Address P.O. Box 277 Liberty, MO 64069-0277
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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