Saving Solutions

Sunflower Bank has a variety of savings solutions designed to fit your needs. Whether you need liquidity, safe returns or an easy way to save for an important life event – we have the right option for you! Looking to save more? Ask about adding a convenient automatic transfer to get your savings plan on track.

Personal Savings

A great savings account designed to accommodate any budget. Whether you’re starting out or building on what you have today, our Personal Savings account makes saving money simple.

  • No quarterly maintenance fee when you maintain a minimum balance of $100 in your account.
  • No quarterly maintenance fee for customers under 18 or over 62.
  • Easy access – six withdrawals from your account each quarterly statement cycle without charge.
  • Earns interest – interest accrues daily and is paid on the last day of each quarter.

Sign & Save Savings

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Sign & Save makes the experience of saving easy and fun without trying. Every purchase made with your debit card rounds up to the next whole dollar and that “round-up” change automatically deposits into your savings account. Keeping track of expenses has never been easier.

As a bonus – sign for your purchases and we’ll match 5 percent of the sum of your “round-up” totals at year end. Watch your savings grow as you use your debit card.

We recommend this account as part of our most popular account package, Spend & Sign & Save, however, it can be added to any of our checking accounts.

  • No quarterly maintenance fee when you maintain a minimum balance of $100 in your account.
  • No quarterly maintenance fee for customers under 18 or over 62.
  • Easy access – six withdrawals from your account each quarterly statement cycle without charge.
  • Earns interest as well as “round-up” match for signed debt card transactions


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First Kids Club

Exclusive to customers age 12 and younger, First Kids is a savings club designed to make saving fun and educational. The club mascot, Bubba the Bear, gets First Kids together for a variety of events and parties throughout the year.

  • No quarterly maintenance fee.
  • Easy access – six withdrawals from your account each quarterly statement cycle without charge.
  • Earns interest – interest accrues daily and is paid on the last day of each quarter. You will receive a quarterly statement listing all account activity, including interest earned.

Health Savings Accounts

A Health Savings Account (HSA) is a perfect complement to a High Deductible Health Insurance Plan (HDHP) as it allows you to pay for current or future qualified medical expenses on a tax-free basis. No medical expenses today? No problem. Unused balances carry over to the following year, allowing you to build your account for the future.

  • No monthly maintenance, per transaction or set-up fees
  • Monthly statement with images included
  • Complimentary HSA debit card and checks
  • Earns Interest – accrued and paid monthly
  • Simplify your savings plan with direct deposit

Certificates of Deposit

Certificates of Deposit (CDs) are popular amongst savers wanting to earn a higher return on funds they don’t need immediate access too. They traditionally pay a higher rate of interest than a savings or money market account because they typically have a fixed term and interest rate.

  • Choose from a variety of certificates and terms, including our CD specials
  • FDIC insured up to $250,000 per depositor, per category
  • Interest payments can automatically reinvest or be transferred into a checking or savings account

Sunflower Bank Money Market

Make the most of your money and watch it grow in our easy to access Money Market account. Gain peace of mind knowing your money is secure and earning higher rates of interest as you increase your balances.

  • No monthly maintenance fee when you maintain a minimum daily balance of $1,000 in your account.
  • Easy access – six withdrawals from your account each monthly statement cycle without charge.
  • Earns interest – interest accrues daily on collected balances and is paid on the last day of each monthly statement.