Shona Deckert

Shona Deckert

VP & Main Office Manager
Phone: 1.509.526.1383
Fax: 1.509.525.1034
Email Shona
“My passions are people and customer service. I act quickly, efficiently, and with integrity to meet the needs of my clients and build their trust.”

Shona has over 8 years of banking experience at Baker Boyer. In her role as manager of the bank’s Main Office, Shona works with both individual and small business clients to provide the products and services they need to meet their financial goals.

Shona holds her Series 6 and Series 63 licenses*. She also holds a Bachelors degree in Nursing from California State University, Long Beach. In her 18 years as a Pediatric Nurse, Shona discovered her passion for helping others and providing positive results.

Shona first moved to the Walla Walla Valley in 1995. She is on the board of the SOS Health Services of Walla Walla and is also actively involved in her church. In her leisure time she enjoys hiking, biking, cooking, singing and spending time with her husband.

*Investment Services not FDIC Insured.

Savings & CD Accounts

For rate-related information, please contact us.

Regular Savings

Regular savings is an interest bearing account that’s perfect for individuals or families. Its flexibility and convenience make it a great place to store a portion of your funds. There is a low minimum daily balance to avoid service fees. Account access is gained through a Baker Boyer Cash Card, Touch-Tone Banking, Internet Banking, or a visit to any of our branches.

Money Market Gold Savings

If you’re looking for a better interest rate than that of a typical savings account, consider Money Market Savings. This account may suit your needs perfectly if you wish to earn as much interest as possible, without giving up accessibility. It requires an opening deposit of $2,500 and a minimum balance of $2,500 to avoid service fees. Interest is earned daily based on a rate determined by different ledger balance tiers. You can access this account through a Baker Boyer Cash Card, Touch-Tone Banking, Internet Banking, or by visiting any of our branches.

Minor Savings

This account is intended to encourage young people to develop sound savings habits. The service charge is waived when a low minimum balance is maintained. For qualifying minors an ATM/Debit Card is available with unlimited ATM transactions. Contact Baker Boyer for more about qualification.

Merit Savings

Designed for our clients age 55 or older, this savings account has all the benefits of our regular savings account with no service fee when a low minimum balance is maintained. Use your Baker Boyer Cash Card, Touch-Tone Banking, Internet Banking, or visit any of our branches to access this account.

Certificates of Deposit

Basically savings accounts with defined terms, CDs provide a middle ground between traditional savings accounts and the stock market. If you have a little extra cash sitting in a savings account, transferring it to a CD could earn you considerably higher rates. With various terms, one can be found to fit most savings goals. CDs can be opened with as little as $500 and you have the ability to make additional deposits at any time.

Health Savings Accounts (HSAs)

Created by Congress to combat rising medical costs, HSAs allow you to pay for current health expenses and save for future medical expenses on a tax-free basis. If you have a high deductible health plan (HDHP) and are not also covered by another health plan that is not an HDHP, consider opening an HSA at Baker Boyer. Speak with a bank representative to find out how you can begin taking advantage of this significant tax benefit. For a complete and detailed description of any tax-related benefits, please consult a tax advisor.

Health Savings Account Advantages:
  • HSA funds can be used to pay for any qualified medical expenses (including, but not limited to: doctor visits, prescriptions, dental care, and long-term care insurance)
  • Unused funds roll over year after year
  • You will receive a debit card and/or checks to pay for medical expenses directly from your HSA account
  • Unused HSA assets may continue to be used into retirement (restrictions apply)

 

Individual Retirement Accounts (IRAs)

Choose from several types of IRAs—Regular, Roth, Educational or SIMPLE—each offering different advantages. Speak with a bank representative about which option is right for you. Also, make sure you consult your tax consultant.

IRA Advantages:
  • May provide you with various opportunities for tax benefitsA
  • Up to a total of $250,000 is FDIC insured, separately from other deposit account types
  • You receive annual statements and tax information
  • No minimum deposit requirements—although, there are maximums on total annual deposits
  • We offer fixed rate IRAs with several term length options
  • Accounts automatically renew

Other Considerations

Your options for IRA investments at Baker Boyer are numerous, as the product is offered through several groups within the bank. To ensure that you have all the information prior to making your selection, please talk with a Baker Boyer representative.

AlternativesA

Your options for tax-deferred retirement planning tools include profit sharing plans, money purchase plans and 401(k) plans. If you have questions about any of these, please let us know. We are here to help.

A For a complete and detailed description of any tax-related benefits, please consult a tax advisor.

Savings Bonds

United States savings bonds provide a risk adverse investment opportunity. They are government backed but are not FDIC insured.

For more information regarding bonds, including how to purchase savings bonds online, please visit the US Treasury's site1.

Alternatives

If income is your goal—rather than security—earnings may be better from another type of investment, like stocksB or even some CDs. We would be happy to hear your goals and discuss investment options with you.




BNot FDIC Insured
1Baker Boyer Bank does not provide, and is not responsible for, the product, service, or overall website content available at the linked third-party site. The bank does not endorse or guarantee any products, information or recommendations provided by the site and is not liable for any failure of products or services offered by the site. You should be advised that Baker Boyer Bank's privacy policy does not apply to the linked website and you should consult the privacy disclosures on the third-party site for further information.