Rates

Fees may reduce earnings on these accounts.
Rates may change after the account is opened, and are subject
to change without notice.

* APY = Annual Percentage Yield - you must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed APY. 

** To qualify for the First Choice Checking rates you must perform the following during the monthly qualification cycle; have at least 10 debit card point of sale purchases post and clear (ATM transactions do not qualify as point of sale purchases), have at least 1 automatic payment or deposit post and clear, and receive e-statements (electronically, not by mail).  If you do not meet the eligibility requirements during the qualification cycle, the rate paid in your account on the entire balance will be .05%, annual percentage yield of .05%

Your interest rate and annual percentage yield may change.

Determination of Rate: At our discretion, we may change the interest rate on your account.
If you do not meet the eligibility requirements during the qualification cycle, the rate paid in your account on the entire balance will be 0.050% with an annual percentage yield of 0.05%.
Frequency of Rate Changes: We may change the interest rate on your account every day.
Limitations on Rate Changes: There are no maximum or minimum interest rate limits for this account.
Additional Rate Information: The interest rate and annual percentage yield are included in the Rate Sheet. At our discretion, we may change the interest rate on the account daily.
COMPOUNDING AND CREDITING: Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.
MINIMUM BALANCE REQUIREMENTS: You must deposit $100.00 to open this account.
PROCESSING ORDER: All credit transactions are processed first. Debits or withdrawals will be processed as follows; electronic items such as A TM & Preauthorized transactions then checks. Checks will be processed by internal items first then transit checks in number order.
BALANCE COMPUTATION METHOD: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NONCASH DEPOSITS: Interest begins to accrue on the business day you deposit noncash items (for example, checks).
TRANSACTION LIMITATIONS. Monthly Qualification Cycle and Monthly Statement Cycle Explanation:
"Qualification cycle" means a period beginning one-business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Statements for First Choice Checking accounts are normally scheduled to cut-off on the 25th day of each month. There are months when the 25th falls on a non-business day such as a Saturday, Sunday or a holiday. When this happens, that statement cut-off is the preceding business day. The qualification cycle ends on the business day prior to the statement cut-off date. Debit card purchases and automatic payment or direct deposit transactions may be posted during the statement cycle but not count as part of the qualification cycle. These transactions will count as part of the following qualification cycle.
ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT: If you have met your qualifications for the specified cycle, we will reimburse you for domestic A TM fees up to $25 per qualification cycle. A TM reimbursements will be credited to your account on the last day of your statement cycle. A TM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. A TM fees of $5 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 calendar days after the statement cycle when the reimbursement was applicable.

Please note that transactions MUST post and clear to your account.

Should a customer not meet all three of the qualification requirements:
I. Rebates of A TM surcharges will not be granted;
2. The account will still earn interest but the rate of interest will default to 00.05%, with an annual percentage yield of 00.05%, on the full balance of the account.

The bank may change from time to time (after giving 30 calendar days notice) the number of required automatic payments or direct deposit transactions, the number of required debit card purchase transactions, the dollar ranges for the interest earning rates, or other terms or conditions related to the account or the processing of the account.

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.