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African American woman in business suit looking at camera. Electronic Checking with a return. E-Money Market. Check mark-You must deposit a minimum of $2,500.00 to open this account. Check mark-Earns interest asterisk. Check mark-Free debit card. Check mark-Free online banking and bill pay. Check mark-free online statements. Check mark-free mobile app and person-to-person transfer. A monthly balance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $2500.00 any day of the cycle. You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield. You are required to enroll in Online Banking and access your account a minimum of one (1) time each statement cycle. You will also be required to enroll in Online Statements. Transfers from a Money Market account to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle. An excess maintenance fee of $5.00 will be charged for each debit transaction in excess of the six allowed transactions. An E-Requirement service fee of $5.00 will be imposed every statement cycle that does not have Online Statements and Online/Mobile Banking usage at least once during the statement cycle. *At our discretion, we may change the interest rate on your account at any time. A change in interest rate may change the annual percentage yield. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. Replacement debit card prior to normal expiration is $10.00. Additional Services: 24 Hour Unlimited Phone Access, Cash Reserve, Automatic Transfer from Savings (ATS) to cover overdrafts or Allowable Overdraft .

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