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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Non-Consumer Account Disclosures:
At our discretion, we may change the interest rate(s) for this account.
The initial rate(s) for your account are:
If your daily balance is less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.050000%.
If daily balance is $25,000.00 or more, but less than or equal to $49,999.99, the interest rate paid on the entire balance in your account will be 0.050000%.
If daily balance is $50,000.00 or more, but less than or equal to $99,999.99, the interest rate paid on the entire balance in your account will be 0.050000%.
If daily balance is $100,000.00 or more, but less than or equal to $199,999.99, the interest rate paid on the entire balance in your account will be 0.150000%.
If your daily balance is $200,000.00 or more, the interest rate paid on the entire balance in your account will be 0.200000%.
The interest rate(s) may change at any time.
Crediting Frequency. The interest will be credited into this account monthly.
Compounding Frequency. The interest will be compounded monthly.
Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method. The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum Balance to Open. The minimum balance required to open this account is $1,000.00.
Minimum Balance to Avoid a Fee. A service charge of $10.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,000.00 any day of the statement cycle.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Limitations on Frequency of Transfers. During any calendar month, you may not make more than eight (8) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A transaction fee of $3.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account, including ATM and electronic transactions) in excess of eight (8) during a statement cycle.
Additional Terms. The following additional terms apply to this account: Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented.