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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 of your
account.
Compounding
and crediting
frequency
Interest
will be compounded
every quarter.
Interest
will be credited
to your account
every quarter.
Effect
of closing
an account
If you close
your account
before interest
is credited,
you will
not receive
the accrued
interest.
Minimum
balance
to open the
account
You must
deposit $10.00
to open this
account.
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 Statement
savings per
item fee
of $1.00
will be charged
for each
debit transaction
(withdrawal,
check paid,
automatic
transfer
or payment
out of this
account)
in excess
of three
during a
statement
cycle.
Dormant account
fee waived
for full-time
students
under 25.
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