Savings, money market & certificates, built for disciplined liquidity

Reserve cash outside of checking with products that publish yields, tiers, and maturity rules in your Truth in Savings package. Whether you are staging an acquisition, funding tax obligations, or setting aside operating buffers, Sky pairs insured deposits with Private Client Service so allocations stay intentional, not accidental. Review the product line

FDIC insurance on qualifying deposits within applicable limits. Products that are not deposits are disclosed separately.
Paths for variable and fixed rates so you can match horizon to the right product, whether savings for flexibility or CDs for committed principal.
Digital visibility alongside your checking and card activity in Sky online and mobile banking.

Couple reviewing savings and household finances together at home with a laptop.

Liquidity when life and markets move faster than the calendar

Material deposits, bonus cycles, and estate distributions often arrive with little runway. A deliberate savings stack of liquid tiers for near-term needs and CDs for dated obligations gives Treasury and your advisor a shared playbook before cash hits the balance sheet.

Align maturities to known cash events (taxes, tuition, capital calls)
Keep a documented sweep path between checking and savings tiers
Review APY tiers after material balance changes; disclosures update with notices

Plan with Private Client Service

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Choose the right deposit structure

Each product below carries its own schedule of fees, minimums, and transaction limits. Your Private Client banker confirms the version that applies to your state and entity type before you sign. Images show the planning themes each product supports, not literal account screens.

Person organizing personal finances and savings goals at a desk.

Everyday reserve

Sky Savings

Your primary insured tier for cash you may need within days or weeks: emergency reserves, sweep balances from operating accounts, and staging pools before you deploy capital elsewhere.

What clients use it for

Variable APYs disclosed by tier; rate changes follow your agreement
Transfers and scheduled moves to Sky checking without changing institutions
Alerts for balance thresholds, large credits, and statement availability

Monthly maintenance fee

$0 when you maintain a Sky checking relationship or an end-of-day balance of $500 or more each statement cycle; otherwise $5. See your Schedule of Fees for full terms.

Minimum opening deposit

Account Details

Hands typing on a laptop keyboard while reviewing household budgeting notes.

Higher balance liquidity

Money Market

When balances grow beyond everyday checking but still require negotiated access, a money market account can combine tiered yields with limited transaction privileges, as your product guide describes in full.

What clients use it for

Tiered pricing that rewards consolidated operating reserves
Bridge funding between treasury events and investment instructions
Coordination with lending covenants when liquidity tests are part of the file

Monthly maintenance fee

$0 when you maintain a Sky checking relationship or an end-of-day balance of $500 or more each statement cycle; otherwise $5. See your Schedule of Fees for full terms.

Minimum opening deposit

Account Details

Open notebook with financial planning notes beside a calculator and pen.

Dated principal

Certificates of Deposit

CDs lock in a term and disclosed rate for principal you can commit until maturity. They are ideal for laddering tax payments, holds that work like escrow, or any liability with a known due date. Penalties for early withdrawal are always stated up front.

What clients use it for

Maturity ladders that stagger access across quarters or years
FDIC insurance on principal within applicable limits until maturity
Renewal notices that restate rate and term before automatic renewal

Monthly maintenance fee

Minimum opening deposit

$500

Schedule time with a banker or call Private Client Service for promotional rates and eligible terms.

Account Details

Abstract graphic suggesting growth and annual percentage yield on savings.

APYs move with markets. Your disclosures stay the source of truth

Variable savings and money market rates can change after account opening. Certificate rates are fixed for the stated term unless your agreement describes a bump feature. The APY in effect on the business day you fund, including any tier you qualify for, is what governs interest accrual, not marketing snapshots on the web.

After you sign in, you see personalized tiers where the bank offers them
New accounts receive the rate sheet packaged with electronic signature or paper disclosures
Private Client Service can explain how combined balances affect tier eligibility

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Build a cadence, not just a balance

The strongest savings relationships pair products with a rhythm: quarterly reviews of tiers, annual CD ladders ahead of tax season, and documented instructions when liquidity needs to move between entities you control.

Map known cash events for the next 24 months before choosing terms.
Fund savings tiers first, then ladder CDs to the dates that match liabilities.
Archive rate notices and amendment letters alongside your corporate minute book.

Ready to open or add a deposit account?

The guided application walks you through product selection, regulatory acknowledgments, and funding instructions. Prefer to open with dedicated guidance from Private Client? Your banker can mirror the same flow on your behalf with secure document exchange.

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