• You must deposit $200.00 to open this account.
• Transaction limitations - Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per quarter.
• Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
• Frequency of rate changes – At our discretion, we may change the interest rate on your account at any time.
• Rate Information – Your interest rate and annual percentage yield may change.

• Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
• Compounding and crediting frequency – Interest will be compounded daily on the Daily Ledger Balance. Interest will be credited to your account every quarter.

• A withdrawal fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transaction or payment out of this account) in excess of six during a quarter.
• Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

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