*Minimum daily balance requirement to avoid fee. Minimum opening deposit is $100. A monthly service fee of $15 will be charged unless you maintain a minimum daily balance of $2,500. The first 200 transactions per month will not be charged a fee. Transactions include deposit tickets, deposited items, checks, ACH, wires and other transactions. A fee of $0.50 will be charged for each additional transaction over 200 per month. A $40 fee will be charged when account is closed within 180 days after opening. Minimum daily balance to earn interest is $1. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Your interest rate may change at any time at our discretion. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Compounding and Crediting – Interest will be compounded every month. Interest will be added back to the principal every month. Effect of Closing – If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method – We 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. Collection of service charge if funds are not available in your account at the time your service charge is assessed, the monthly service charge will overdraw your account. Overdrafts will result in additional fees..