Statement Savings Account Truth in Savings Disclosure

Interest Rate Information

• The interest rate and annual percentage yield may change at the Bank's discretion any time without notice. Click here for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest

• Interest is compounded daily and credited to your account every month.
• If you close your account before interest is credited, you will receive the accrued interest.

Accrual of Interest on Noncash Deposits

• Interest begins to accrue on the business day that you deposit noncash items (for example, checks).

Minimum Balance Requirements

• You must deposit at least $50.00 to open this account.
• A minimum balance fee of $3.00 will be imposed every month if the balance falls below $50.00 any day of the monthly statement cycle period.
• You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

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.

Transaction Limitations

• You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debt card or other similar transactions from your account per month or statement cycle.

Service Fees

The following fees may be assessed against your account:

* The overdraft fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means as applicable.