Now Account

Balance Requirements

• You must deposit $1,000 to open an account.
• If the collected balance falls below $1,000 on any day, you will not be paid interest for that day.
• You must maintain a collected balance of $1,000 or more each day to obtain the annual percentage yield offered.

Benefits

• Unlimited check writing
• Images of checks printed on statements
• Debit Card

Service Charges During the Statement Period

• A $5 service charge will be charged if your ledger balance falls below $1,000..
• A $10 maintenance fee will be charged if your account becomes dormant (547 days without activity) and your ledger balance falls below $100.

Compounding and Crediting

• Interest on Now accounts will be compounded monthly and be added to the account balance on the last day of the statement period.

Accrual of Interest on Non-Cash Deposits

• Interest begins to accrue no later than the day we receive credit for the deposit of non-cash items (for example, checks).

Additional Information

• The interest rate and annual percentage yield are available at the New Accounts desk.
• This is not a full disclosure of all terms and conditions of this account. Additional information is available at the New Accounts desk.

Super Now Account

Balance Requirements

• You must deposit $5,000 to open an account.
• If the collected balance falls below $1 on any day, you will not be paid interest for that day.
• You must maintain a specific collected balance in order to obtain the annual percentage yield offered for each interest rate tier. On any day your balance qualifies for a respective tier, interest will be earned at the respective annual percentage yield on the entire balance for that day.

Benefits

• Unlimited check writing
• Images of checks printed on statements
• Debit Card

Compounding and Crediting

• Interest on Super Now accounts will be compounded monthly and be added to the account balance on the last day of the statement period (monthly).

Accrual of Interest on Non-Cash Deposits

• Interest begins to accrue on non-cash items deposited based on the Bank’s availability schedule.

Additional Information

• There are six interest rate tiers available with this account. The interest rate and annual percentage yield for each tier are available at the New Accounts desk.
• This is not a full disclosure of all terms and conditions of this account. Additional information is available at the New Accounts desk.