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Savings & Money Market

Be prepared for life’s little surprises with a savings or money market account. Whether you're just starting to save, building an emergency fund, or saving for something special, we can help you reach your goals.

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Savings & Money Market Accounts

Whether you are saving for one of life's biggest moments or protecting yourself from the unexpected, we can find an account to fit your needs.

Essential Savings

Build your savings and prepare for the unexpected. You can set up automatic transfers from your checking account and also protect your checking from overdrafts.


Signature Money Market

Receive higher interest rates for higher balances. You can set up automatic transfers from your checking account and also protect your checking from overdrafts.


Relationship Money Market

Earn higher relationship rates when you tie your Relationship Money Market account to qualifying accounts.4 You can set up automatic transfers from your checking account and also protect your checking from overdrafts.

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Open an account

  • Bring at least one form of the following valid photo IDs:
  • Driver's license
  • Passport
  • Government
  • Student
  • Tribal identification
  • Provide the following personal information:
  • Date of birth
  • Physical address
  • Phone number
  • Make an opening deposit for the new account.

Account Overview Comparison

Essential Savings

    • $100 minimum opening deposit
  • $5 monthly cycle maintenance fee1
    Waived if one of the following requirements is met:

    • $300 minimum daily ledger balance2
    • $1,000 average monthly cycle ledger balance 
    • Unlimited transfers and withdrawals
    • Interest rate varies
    • Monthly interest payment frequency
    • Quarterly statement frequency
    • Or, monthly with ACH activity
    • -
  • Account Features

Signature Money Market

Relationship Money Market⁴

1 Essential Savings accounts for minors will not be assessed a Monthly Cycle Maintenance Fee until their 18th birthday.

2 Opening an account with an amount less than the Minimum Daily Ledger Balance will result in the account being assessed a Monthly Cycle Maintenance Fee for the initial monthly cycle, unless another balance qualification disclosed is met.

3 Defined as the lowest daily combined Ledger Balance of this account plus all related savings, money market and certificate of deposit accounts that have been designed by you and linked by the bank for this purpose. Relevant balances on tax‚Äźdeferred accounts are excluded. Savings, money market and certificate of deposit accounts may not be linked with more than one account for purposes of combined related aggregate ledger balances.

4 Eligibility Requirements: To qualify for the Relationship Money Market Account (MMDA) account owners must maintain two (2) additional products with Johnson Financial Group: One product must be a consumer checking (demand deposit) account (including accounts held in the capacity of a qualifying Trust); or a qualifying Johnson Bank Small Business Solutions Checking Account: 1.) Where an account owner is the sole proprietor/owner (d/b/a), or 2.) A Corporate, Limited Liability Corporation, or Limited Liability Partnership account for a business in which the account owner(s) is/are the majority owner(s), or 3.) An account for a business owned by a revocable trust for which an account owner is the grantor and trustee, or 4.) Partnership account in which the account owner(s) is/are the majority general partner(s), or 5.) A Family Limited Partnership where the account owners, together, are the majority partner(s). The other product must be a consumer product held by the account owner(s) and include a consumer loan, consumer mortgage loan, credit card (offered through Élan Financial Services), LPL Financial (brokerage) account, or Wealth account. Products may not be used with more than one Relationship Money Market. If the eligibility requirements are not maintained, the account will be automatically transferred (converted) to a Signature Money Market Account. Other information: Minimum age to open an individual Essential Savings account is 12 (no ATM access); Signature or Relationship Money Market account is 18. Additional fees may apply, see the Fee Schedule for more information.

We can also help you with...

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Certificates of Deposits (CDs)

When you want a higher than average interest rate, a set rate of return and assurance that your funds are insured, use a CD for your savings and retirement goals.

LEARN MORE about certificates of deposit (CDs)

A Money Market account is generally a higher yielding interest-bearing savings account.

Savings and Money Markets are similar in that they help with saving money. The primary difference is that a Money Market generally pays a slightly higher interest rate, based on balances retained in the account. Money Market accounts may have higher minimum balance requirements to maintain. A Money Market account also allows the ability to utilize checks, unlike a Savings account.

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects bank depositors against the loss of their insured deposits in the event that an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

FDIC deposit insurance protects bank customers in the event that an FDIC-insured depository institution fails. Bank customers don’t need to purchase deposit insurance; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least $250,000 per depositor, per FDIC-insured bank, per ownership category. You may have more coverage based on your account titling and beneficiaries. Visit FDIC: Electronic Deposit Insurance Estimator (EDIE) to calculate the insurance coverage of your deposit accounts.  

Have Questions?

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Give us a call at 888.769.3796

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Related Resources

Julie Anchondo
Julie Anchondo, AVP Branch Manager, Racine, WI

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