You must deposit $100.00 to open this account. This is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. 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.

You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. Transfers from a personal savings account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to three per statement cycle.