|Interest Rate||Opening Deposit||Minimum Monthly Balance||Minimum Balance to Obtain APY||Monthly Transaction & Maintenance Fees||ATM Fee Reim-
|eChecking||0.35%-1.56%||$10||None||$0.01 - $25,000*||None||Yes||Open a eChecking Now|
|0.35%||$10||None||$25,0001 or greater*||None||Yes|
|Smart Checking||None||$10||None||N/A||None||No||Open a Smart Checking Now|
|Value NOW Checking||0.05%||$10||$1,000 Average Daily Balance||$0.01^||$5||No||Open a Value NOW Checking|
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
If you meet all the above requirements per statement cycle, the higher interest rate will be paid on balances up to $25,000 and lower interest rate will be paid on balanced above $25,000. In the event that all the above requirements are not met in a statement cycle, the bank will not refund foreign ATM fees, will not reimburse surcharge fees and the lower interest rate will be paid on all balances. If requirements are not met, the rate will revert to the Value NOW Checking Account Rate for the entire balance. The APY is accurate as of August 14, 2017. Interest rate may vary after account opening. Fees may reduce earnings.
^Value NOW Disclosure
APY for Value NOW Checking is accurate as of August 14, 2017. Interest rate may vary after account opening. Fees may reduce earnings.
Monthly maintenance fee of $5.00 is waived with a recurring monthly ACH or Direct Deposit.