RETURN
TO
ACCOUNTS
Rate
information
Your
interest
rate and
annual
percentage
yield may
change.
Frequency
of rate changes
We may
change the
interest
rate on your
account every
week.
Determination
of rate
At our discretion,
we may change
the interest
rate on your
account.
Compounding
and crediting
frequency
Interest
will be compounded
every month.
Interest
will be credited
to your account
every month.
Effect
of closing
an account
If your
close your
account
before interest
is credited,
you will
not receive
the accrued
interest.
Minimum
balance
to avoid
imposition
of fees
A NOW account
minimum balance
fee of $8.00
will be imposed
every statement
cycle unless
you maintain
either a
minimum daily
balance of
$1,000.00
or a minimum
average daily
balance of
$2,500.00
for the monthly
statement
cycle. 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.
Minimum
balance
to open the
account
You must
deposit $1,000.00
to open this
account.
Minimum
balance
to obtain
the annual
percentage
yield disclosed
You must
maintain
a minimum
balance of
$1,000.00
in the account
each day
to obtain
the disclosed
annual percentage
yield.
Daily
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.
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).
Fees
A NOW account per item
fee of $.15
will be charged
for each
debit transaction
(withdrawal,
check paid,
automatic
transfer
or payment
out of this
account).
This fee
will apply
if the minimum
daily balance
of $1,000.00
or the minimum
average daily
balance of
$2,500.00
for the statement
cycle is
not met.
No
other account
maintenance
fees apply.
Rate
Tiers
Tier Dollar Amount
$ 0.00 
 
$ 999.00 
$ 1,000.00 
 
$ 9,999.00 
$ 10,000.00 
 
$ 24,999.00 
$ 25,000.00 
 
$ 49,999.00 
$ 50,000.00 
& 
above 

