Personal · Savings & money market

Grow and protect liquidity with purpose

Relationship savings and money market accounts designed for emergency reserves, near term goals, and cash staging with tiered yields, transparent fees, and the same digital and human support you expect from private banking.

FDIC insurance within applicable limits on deposits
Tiered variable APYs on qualifying balances
Linked transfers, goals, and balance alerts in digital banking

Contactless card payment at checkout, representing everyday access to savings-linked spending.

Competitive yields

Tiered variable APYs on qualifying balances.

Principal protection

FDIC insurance on deposits within applicable limits.

Goal-friendly tools

Transfers, nicknames, and balance alerts in digital banking.

Truth in Savings

Rates, fees, and withdrawal rules disclosed clearly.

Core savings features

Purpose-built for reserves and planned liquidity with yields, controls, and reporting that fit a private client balance sheet.

Tiered variable yields

Earn more as your balance grows within published bands. Relationship packages may include preferred rates or fee allowances, your Truth in Savings disclosure lists the APY tiers in effect when you open or renew.

Automated funding & sweeps

Schedule recurring transfers from checking, split deposits, or where available, configure sweeps between eligible accounts so idle cash earns while staying accessible for planned draws.

Bridge to CDs & longer terms

When you are ready to lock a portion of reserves, your banker can coordinate certificate ladders or specials alongside your liquid savings documented in one relationship view.

Compare savings options

Most clients pair a Relationship Savings account with Premier Money Market when they want higher balances to earn more while keeping check-writing or enhanced transfer limits. Your banker will confirm which product fits each bucket of cash (not all features apply in every market; see disclosures).

Comparison of Relationship Savings and Premier Money Market
	Relationship Savings	Premier Money Market
Best for	Emergency funds, sinking funds, and short-term reserves	Larger liquid balances with competitive tiered yields and expanded transaction flexibility
Monthly service	Often waivable with minimum balance or relationship package	Often waivable with higher combined balances or tiers
Yield	Tiered variable APY; compounding as disclosed	Typically higher tiers on larger qualifying balances
Access & limits	Regulation D limits may apply to certain withdrawals; money market may offer check or debit access where disclosed
Support	Private Client Service and optional banker assignment by relationship level

Rates, fees, and features vary by product and jurisdiction. You will receive current disclosures before you sign.

Clients meeting with a banker to review savings and investment planning.

Savings that fits your wealth plan, not a standalone silo

We align liquid reserves with your cash-flow forecast, tax planning, and lending structure, so you know what is earmarked for liquidity, what is growing, and what is ready to deploy.

Cash-segmentation guidance (operating vs. strategic reserves)
Coordinated handoffs to trust, credit, and investment teams when balances move across products
Documented rate and fee reviews at relationship checkpoints

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Designed for your goals, not just your balance.

From emergency reserves to staging for investments or major purchases, savings should be easy to monitor, fund, and explain to your family office or advisors.

Named goals & sub-accounts

Organize reserves by purpose, education, taxes, acquisitions with nicknames and targets that appear alongside your other Sky accounts in digital banking.

Compounding that works while you wait

Variable APYs compound on the cycle disclosed in your Truth in Savings. Review the current tier table in the Rates section and in your welcome package.

FDIC insurance

Deposits are FDIC insured up to applicable limits. Brokered or non-deposit products are not FDIC insured and may lose value.

Linked liquidity

Move funds between savings, checking, and external accounts with limits and cut-off times shown before you confirm reducing friction when opportunities arise.

Balance & activity alerts

Know when balances cross a threshold, a large withdrawal posts, or a scheduled transfer completes by email, SMS, or push where enabled.

Privacy-aware servicing

Sensitive requests route through authenticated channels. We limit data exposure to what is needed for the task and document handoffs when multiple teams are involved.

Watch savings grow from anywhere

Track yields, transfers, and statements with the same secure platform you use for the rest of your Sky relationship optimized for clarity, not clutter.

Interest accrual snapshots, tier progress, and year-to-date earnings summaries after you sign in.
Scheduled transfers to and from checking, external banks, and where enabled brokerage sweep instructions.
eStatements & tax forms with searchable history and secure download.
Biometric login, device recognition, and session controls to protect high-balance accounts.

Sky International Private Bank mobile app on iPhone and iPad: balances, transfers, and savings insights.

Rates & yields

Relationship Savings and Premier Money Market pay tiered variable annual percentage yields (APYs) on qualifying balances. CDs and other term products are available separately when you want a fixed rate for a defined period.

APYs are variable, may change at any time after account opening, and are accurate only as of the date printed on your Truth in Savings disclosure. Higher relationship tiers and combined balances may qualify for improved yields where offered.

You will receive the rate in effect on the business day your account is opened. Existing clients can view personalized tiers after signing in.

Common fees (at a glance)

The authoritative source for your account is the Schedule of Fees delivered at opening. Below is a summary in plain language of categories clients ask about most often.

Monthly service

A monthly maintenance fee may apply. It is commonly waived with qualifying direct deposit, minimum balance, or combined relationship balances criteria are listed in your product guide.

Excess activity & withdrawal limits

Savings and money market accounts may limit certain types of withdrawals per statement cycle. Fees can apply if limits are exceeded, or the account may be converted your disclosure lists the exact counts and charges.

Outgoing wires & official checks

Funding large third-party payments from savings may incur wire or official check fees disclosed in your Schedule of Fees. Private clients may receive allowances based on relationship tier.

Frequently asked questions

How do I apply?

Start with the online savings application or call Private Client Service at +1 317-552-0423. A banker will confirm product choice, documentation, and minimum opening deposits.

What do I need to open?

Government-issued ID, Social Security or tax ID, proof of address, and initial funding per product minimums. Joint owners and trust accounts require additional signatures and paperwork.

Is there a minimum balance?

Yes, each savings and money market product publishes minimums to open and to avoid monthly service fees. Falling below may reduce your APY tier or trigger a fee until balances are restored.

How often can I withdraw from savings?

Federal rules and our disclosures limit certain withdrawal and transfer types per statement cycle. Money market accounts may offer additional payment flexibility; your banker will explain what counts toward the limit.

Can I link savings to my checking for overdraft protection?

Where offered, you may authorize automatic transfers from an eligible savings or money market account to cover checking shortfalls. Transfers may count toward withdrawal limits and can incur fees, see your Opt-In and Overdraft Transfer disclosures.