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Personal Banking Personal Savings Accounts
Personal Savings Accounts

Savings account options designed to help you reach your goals, with local support and personalized service from a community bank.

Momentum Savings

Overview

A Savings Account designed to build savings alongside Momentum Checking, offering tiered interest to help you grow your savings over time.

Features

  • Earns Tiered Interest APY¹
  • No monthly service fee for the first year
  • Round-Up Savings: When you use your Momentum Checking Debit Card for purchases, the transaction amount is rounded up to the nearest dollar, and the difference is automatically transferred to your Momentum Savings account. You may choose to opt out of this feature at any time.4
  • Debit card access available when linked to an eligible Orrstown Bank Checking or Money Market account 4
  • Six Free Transactions per statement cycle; $10 fee per excess transaction**
  • $1 Minimum Opening Deposit
  • Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
  • Maintain a $100 Average Statement Balance3 after the first year to avoid the monthly service fee5.
  • A paper statement fee applies after the first year when the $100 average daily balance isn’t maintained.
  • A Momentum Checking Account must be maintained unless the primary account owner is under age 18.4

Ready to make everyday banking work a little harder? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Momentum Savings.

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APY¹ Rate as of 9/21/2026

2 Fees may apply for certain other supplies or expedited service.

3 Minimum balance based on average daily balance

4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.

5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement

**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.

Relationship Money Market

Overview

Looking for a savings account that offers more from your banking relationship? Relationship Money Market provides the opportunity to earn interest on qualifying balances while keeping funds available for future needs.

Features

  • Earns Tiered InterestAPY¹
  • Maintain liquidity while earning interest APY1
  • Six Free Transactions per statement cycle; $10 fee per excess transaction**
  • Debit card access

  • $500 Minimum Opening Deposit
  • Maintain a $10,000 Average Statement balance to avoid the $15 monthly maintenance fee 5
  • Enrollment in e-Statements is required to avoid a $0 monthly paper statement fee.2

Ready to open a Relationship Money Market account? Visit a branch near you to connect with a banker and open a Relationship Money Market account.

Find A Branch Near You

APY¹ Rate as of 9/21/2026

2 Fees may apply for certain other supplies or expedited service.

5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement

**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.

Preferred Money Market

Overview

Looking for a savings account designed for clients who maintain higher deposit balances? Preferred Money Market provides the opportunity to earn interest while keeping funds available for future needs.

Features

  • Earns Tiered InterestAPY¹
  • Maintain liquidity while earning interest APY1
  • Six Free Transactions per statement cycle; $10 fee per excess transaction**
  • Debit Card Access
  • $500 Minimum Opening Deposit
  • Maintain a $2,500 Average Statement Balance to avoid the $12 Monthly Maintenance Fee 5
  • Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2

Ready to open a Preferred Money Market account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.

Apply Now Find A Branch Near You

APY¹ Rate as of 9/21/2026

2 Fees may apply for certain other supplies or expedited service.

5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement

**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.

Essential Savings

Overview

Looking for a straightforward way to build your savings? Essential Savings is an interest-bearing savings account designed to help you save for everyday needs, future goals, and unexpected expenses.

Features

  • Earns Tiered Interest APY¹
  • Six Free Transactions per statement cycle; $10 fee per excess transaction**
  • No Minimum balance requirement or statement fee when account owner is a minor (under the age of 18)
  • Debit card access available when linked to an eligible Orrstown Bank Checking or Money Market account 4
  • $25 Minimum Opening Deposit
  • Maintain a $250 Average Statement Balance to avoid the $5 Monthly Maintenance Fee 5
  • Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2


Ready to open a Essential Savings account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.

Apply Now Find A Branch Near You

APY¹ Rate as of 9/21/2026

2 Fees may apply for certain other supplies or expedited service.

4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.

5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement

**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.

Health Savings Account

Overview

Looking for a way to save for qualified healthcare expenses? A Health Savings Account (HSA) offers a tax-advantaged way to set aside money for eligible medical costs while earning interest.

Features

  • No Minimum Opening Deposit
  • Earns Tiered Interest APY¹
  • Tax-advantaged savings
  • Debit Card & Check Writing Access for qualified healthcare expenses4
  • Helps clients save specifically for current and future medical costs
  • You must be covered by a high-deductible insurance plan.
  • Maintain a $250 Average Statement Balance (clients have 12 months from account opening to aggregate this balance) to avoid the $5 Monthly Maintenance Fee 5
  • Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
  • All transactions must be for qualified healthcare expenses***

Ready to open a Health Savings Account? Visit a branch near you to connect with a banker and open a Health Savings Account.

Find A Branch Near You

Compare Accounts

  • Momentum Savings
  • Relationship Money Market
  • Preferred Money Market
  • Essential Savings
  • Health Savings Account

Compare Savings Accounts

Tax-Advantaged Savings1
Yes
Minimum Balance to open account
$1
$500
$500
$25
$0
Monthly Service Fee
$0
$15 (Waived if qualifiers are met)
$12 (Waived if qualifiers are met)
$5 (Waived if qualifiers are met)
$5 (Waived if qualifiers are met)
Average Daily Minimum Balance Requirement
$100 after 12-month grace period
$10,000
$2,500
$250
$250 after 12-month grace period
Paper Statement Fee
e-Statement enrollment required to avoid a $2 monthly paper statement fee
e-Statement enrollment required to avoid a $2 monthly paper statement fee
$2,500 minimum balance maintained OR e-Statement enrollment required to avoid a $2 monthly paper statement fee
e-Statement enrollment required to avoid a $2 monthly paper statement fee. Fee waived when primary account owner is 18 and under
e-Statement enrollment required to avoid a $2 monthly paper statement fee
Earns Interest
Yes View all rates
Yes View all rates
Yes View all rates
Yes View all rates
Yes View all rates
FDIC Insured2
Yes
Yes
Yes
Yes
Yes
Access Funds via Debit Card 3
Yes if combined with an Orrstown Bank checking or money market
Yes
Yes
Yes if combined with an Orrstown Bank checking or money market
Yes and checks
Qualifiers
Maintain a $100 minimum balance4 after the first year. Paper Statement Fee to be assessed when $100 isn’t maintained and account is over 1 year old Overdraft Protection Sweep Fee: $10 per sweep occurrence Must maintain a Momentum Checking Account unless primary account owner is under 18 $10 fee per transaction in excess of 6 transactions per month
Monthly Service Charge: $15 if Average Daily Collected Balance requirement not maintained during the statement cycle Overdraft Protection Sweep Fee: $10 per sweep occurrence $10 fee per transaction in excess of 6 transactions per month
Monthly Service Charge: $12 if Average Daily Minimum Balance requirement not maintained during the statement cycle Overdraft Protection Sweep Fee: $10 per sweep occurrence $10 fee per transaction in excess of 6 transactions per month
Monthly Service Charge: $5 if Average Daily Minimum Balance requirement not maintained during the statement cycle No minimum balance or statement fee when under age 18 Overdraft Protection Sweep Fee: $10 per sweep occurrence $10 fee per transaction in excess of 6 transactions per month
Maintain a $250 minimum balance4 after the first year. Monthly Service Charge: $5 if Average Daily Minimum Balance requirement not maintained during the statement cycle Must have high-deductible insurance plan All transactions must be for qualified healthcare expenses per HSA guidelines. Client is responsible for determining what is an eligible healthcare expense. Access funds via debit card and checks