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Truth In Savings

Checking + Account Truth in Savings Disclosure

Interest Rate Information

  • The interest rate and annual percentage yield for the account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at the Bank's discretion any time without notice. Click here for the current interest rate and annual percentage yields.

Compounding and Crediting of Interest

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

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).

Minimum Balance Requirements

  • You must deposit $1,000 to open this account.
  • A minimum balance fee of $10.00 will be imposed every month if the average daily balance for the monthly statement cycle period falls below $1,000. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • You must maintain a minimum balance of $1,000 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 the account. This method applies a daily periodic rate to the principal in the account each day.

Transaction Limitations

  • You may make unlimited deposits into or withdrawals from the account each month.

Service Fees

The following fees may be assessed against the account:

Stop Payments (per item) $35.00
*Overdrafts (per item paid or returned) $40.00
Deposit Item Chargeback (per item) $15.00
Research (per hour/minimum $30) $30.00
Escheat Processing $100.00
Overdraft Protection Transfers (per occurrence) $10.00
Dormant Account (per month after one year) $5.00
Early Account Closure (within 180 days of opening) $30.00
Foreign ATM Cash Withdrawals $2.00

Check printing fees vary based upon the check style selected.

* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day.

Additional Account Information

  • Accounts at a zero balance for 45 days will be permanently closed.
  • Unlimited check writing
  • Free Online Banking
  • Free Online Bill Pay & Presentment
  • Free Telephone Banking


Member FDIC