- $50 needed to open
- Free personalized checks
- Interest Rate = 0.25% Annual Percentage Yield (APY) on the entire balance when a minimum daily balance of $1,500 is maintained (rates are accurate and effective as of 10.2.2024
- Earn 0.20% APY on the entire balance when the balance falls below $1,500 (rates are accurate and effective as of 11.18.2024
- Earn additional cash with everyday debit card transactions during the Reward Period**
- Earn a $0.05 reward for every debit card transaction* of $10 or more
- Reimbursement of up to $10 of ABB and foreign ATM fees each month
- Free personalized checks
- Only a $1,500 daily minimum balance is needed to avoid a monthly service charge of $6 per statement cycle
* ATM transactions with a debit card do not qualify for cash rewards.
**The Reward Period is the first business day of the calendar month through the last business day of the calendar month, regardless of the statement cycle. A business day is defined as Monday through Friday, excluding holidays. Rewards will be paid by the fifth (5th) business day of the following month. Debit card transactions not posted/cleared by the last day of the month may receive rewards in the following month. Cash Rewards & ATM Rebates are not credited if the account is closed before the last day of the month.
Overdrafts: While we are not obligated to pay any item presented for payment, if your account does not contain enough money, we may approve your overdraft as long as you maintain your account in good standing. We will notify you promptly of any non-sufficient funds items paid or returned that you may have: however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft, including paid OD Privilege Paid Item(s) fee of $28 and/or an NSF Returned Item(s) fee of $28, will be charged. OD Privilege Policy
INTEREST: 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. Interest begins to accrue on the business day of your deposit. Interest will be credited monthly every statement cycle and credited to the account last day of the statement cycle. Withdrawals and fees may reduce earnings. Closing the account before interest is credited will result in no interest paid. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.
