Free Checking Plus | Effective Date: 2-1-2018
|Requirements not met**||0.05%||0.05%|
|Daily balance is $15,000 or less||1.49%||1.50%|
|Daily balance is greater than $15,000||0.05% (amount over $15,000)||Ranges from 1.50% to 0.92% (depending on balance)|
1To earn the Free Checking Plus rate of 1.50% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the APYs above when all requirements are met, you will receive automatic refunds on nationwide ATM access fees, up to $12 maximum. If requirements are not met, you will earn 0.05% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $15,000, your APY will range from 1.50% to 0.92% depending on the balance of your account. APY range calculations for Rate Tier 2 assume a minimum balance of $15,000.01 and a maximum balance of $25,000.00. Business accounts are not eligible.
*Annual Percentage Yield.
**Requirements cycle begins one day before the last day of each month and ends two days before the end of the month. All requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which they are earned.
Minimum Opening Balance is $25.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings/Fee Schedule