- Your interest rate and annual percentage yield may change at our discretion every quarter.
 - No minimum balance.
 - We use the daily balance method to calculate the interest on your account. Interest will be compounded every day and interest will be credited to your account every statement cycle.
 - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.
 - There is a charge of $2.00 per withdrawal at Automatic Teller Machines (ATM) we do not own or operate.
 
If you use an Automated Teller Machine (ATM) not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).