-Your interest rate and annual percentage yield may change at our  

   discretion. 

-We use the daily balance method to calculate the interest on your  

   account.  Interest will be compounded every day.  Interest will be  

   credited to your account every month. 

-The minimum balance to obtain the annual percentage yield is $2,500.00  

   each day of the statement cycle.  

-A service charge of $25.00* will be imposed every statement cycle  

   if any day during the cycle the balance in the account falls below  

   $2,500.00. 

-Interest begins to accrue no later than the business day we receive credit  

   for the deposit of noncash items. 

-Nonsufficient funds (NSF) item (each) - Returned Item Fee - $25.00 per  

  item. 

-Overdraft fee - $25.00 per item paid. 

-First 50 Club style personalized checks are provided free of charge. 

-First 50 Club activities, including social events, trips, seminars, and a  

   monthly newsletter. 

 

*This fee is subject to applicable state and local taxes. 

 

If you use an Automated Teller Machine (ATM) that is not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).