¹A transaction consists of one deposit (regardless of number of items deposited) or check paid out of the account.

²Economy Package: up to 10 accounts allowed for free; thereafter $3.50 per month for each account. 

³The earnings credit rate is based on current market conditions. The earnings credit rate is based on the average collected balances less Federal Reserve Requirements. If the earnings credit exceeds the fees for any period, you will be assessed no fees, but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.

⁴Up to 5 accounts allowed, thereafter $3.00 for each account. 

⁵Your interest rate and annual percentage yield may change at any time, at our discretion.  If you close your account before interest is credited, you will not receive the accrued interest. 

⁶We 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks). 

⁷Up to 5 accounts allowed, thereafter $3.00 for each account.