• Minimum Balance to Open Account - $100.00
• Deposit Rate Information (based upon account balance)

Daily Balance $0 - $249 - None Daily Balance $250 or greater - Savings Rate Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) into your account.

• Compounding and Crediting Frequency - Interest will be compounded and credited to your account quarterly.
• Effect of Closing An Account – If you close your account before interest is paid, you will not receive the accrued interest.
• Minimum Balance to Avoid Imposition of Fees

If your balance falls below $250.00 on any day in the statement cycle, your account will be subject to a $9.00 Maintenance Fee for that statement cycle.

• Transaction Limitations – During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours by means of a preauthorized or automatic transfer or telephone order or instruction, If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. Excess transaction fee - $2.00 per item over six (6).
• Minimum Balance to earn interest – you must maintain a minimum daily balance of $250.00 in your account each day to earn the disclosed interest rate.

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