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Savings & Investments

Build a stronger financial future. 


Macatawa Bank offers a wide array of savings and investment options.

Call, stop by or complete the handy form below to see how we can help you reach your financial goals.



Regular Savings
Account Opening Options
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Open in Branch
Traditional & ROTH IRA Savings
Account Opening Options
Open in Branch
Personal Money Market
Account Opening Options
Apply Now
Preferred Partner Money Market
Account Opening Options
Open in Branch 
Certificate of Deposit
Learn more about your Account Opening Options
Minimum Balance
$100
Minimum Balance
$0
Minimum Balance
$1,000
Minimum Balance
$1,000
Minimum Balance
$1,000
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $5.00 per transaction.
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month.
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $10.00 per transaction.
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $10.00 per transaction.
Monthly Transaction Allowance
NA
Interest Bearing
Yes, Quarterly Compounding
Interest Bearing
Yes, Quarterly Compounding
Interest Bearing
Tiered Interest Rates, Monthly Compounding
Interest Bearing
Tiered Interest Rates, Monthly Compounding
Interest Bearing
Fixed Interest Rates
Maintenance Fee.
Quarterly service charge if balance falls below minimum daily balance requirement (quarterly service charge waived if under 18 years of age).
Maintenance Fee.
No minimum balance requirement and no quarterly service charge.
Maintenance Fee.
Monthly service charge if balance falls below minimum daily balance requirement.
Maintenance Fee.
Monthly service charge if balance falls below minimum daily balance requirement.
Maintenance Fee.
Penalty may be imposed for early withdrawal.






1Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market account to a maximum combined total of six (6) preauthorized transactions per month. These transactions include automatic transfers for overdraft coverage to your checking account, checks, drafts or similar other withdrawals payable to third parties, point-of-sale (POS) purchase transactions with an ATM/Debit Card, or by preauthorized or automatic payment transfers (including ACH and wire transfers) via telephone or online (including Bill Pay). Excessive transactions may result in the Bank, at its discretion, either closing your account or changing your account to a non-interest bearing account.

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