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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
Apply Now
Open in Branch

Minimum Balance
$100
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $5.00 per transaction.
Interest Bearing
Yes, Quarterly Compounding
Maintenance Fee.
Quarterly service charge if balance falls below minimum daily balance requirement (quarterly service charge waived if under 18 years of age).



Traditional & ROTH IRA Savings



Account Opening Options
Open in Branch
Minimum Balance
$0
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month.
Interest Bearing
Yes, Quarterly Compounding
Maintenance Fee.
No minimum balance requirement and no quarterly service charge.



Personal Money Market 



Account Opening Options
Apply Now
Minimum Balance
$1,000
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $10.00 per transaction.
Interest Bearing
Tiered Interest Rates, Monthly Compounding
Maintenance Fee.
Monthly service charge if balance falls below minimum daily balance requirement.



Preferred Partner Money Market



Account Opening Options
Open in Branch 
Minimum Balance
$1,000
Monthly Transaction Allowance1
Limit of six (6) preauthorized transactions per month. Excess transactions are charged monthly at $10.00 per transaction.
Interest Bearing
Tiered Interest Rates, Monthly Compounding
Maintenance Fee.
Monthly service charge if balance falls below minimum daily balance requirement.



Certificate of Deposit



Learn more about your Account Opening Options
Minimum Balance
$1,000
Interest Bearing
Fixed Interest Rates
Maintenance Fee.
Penalty may be imposed for early withdrawal. 
Learn more about our CD options.
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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Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

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