In order to earn the stated Annual Percentage Yield (APY) for eChecking:
You must open your account online
You must sign up for electronic monthly statements (eStatements)
Enroll in Internet banking and sign in at least once a month
Use your debit card to make at least ten purchases per statement cycle
Have at least one recurring ACH transaction per month (i.e. direct deposit, automatic payment of a bill, etc.)
Maintain a monthly collected balance greater than $0
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