• 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) per item per presentment (each - Returned Item Fee) - $30.00 per item.
• Overdraft fee - $30.00 per item paid.
  

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