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Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Minimum balance to open  - You must deposit $25.00 to open this account.
Maintenance fee - A monthly maintenance fee of $10.00 with Online Statement only; OR monthly maintenance fee of $12.00 with paper statement will be imposed each statement cycle if the daily balance falls below $1,000.00, unless you maintain $5,000.00 in a single Money Market, savings, time deposit or IRA account for the entire statement cycle. Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.
Fees - A service chargeable debit fee of $.10 will be charged for each customer initiated debit transaction (with the exception of ATM Withdrawals and Automatic Loan Payments).  This fee will apply if your balance falls below the required minimum to avoid a fee.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

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