Personal Savings

1) Bill Pay and Mobile eDeposit: Online banking required. Must be 18-years-old or have a parent/guardian be on the account with a minor. Mobile eDeposit limit is $2,500 per day. 2) Text Message Alerts: Standard mobile carrier text messaging rates apply. 3) $6 charge per withdrawal over 9 per quarter including in person withdrawals. 4) Student Savers: for ages 0-24; A parent or guardian must be a signer on the account with a minor under 16 years old. At age 25, the account will convert to a Statement Savings account. $4 charge per withdrawal over 9 per quarter including in person withdrawals. 5) Vacation Club: For ages 18+; May 1 distribution date. $10 minimum automatic transfer required per month. Elite or Enhanced checking account required. 6) Christmas Club: for ages 18+; November 1 distribution date. $10 minimum automatic transfer required per month. Elite or Enhanced checking account required. 7) Cash Management: Up to 6 transfers per month allowed by telephone, preauthorized transfer or other order by the customer. $10 charge per withdrawal over 6 per month. Fees may reduce earnings. 8) The interest rate and annual percentage yield (APY) may change after account opening. The interest begins to accrue on the business day we receive credit for the deposit of non-cash items. Interest is compounded daily and credited monthly, excluding Statement Savings and Student Savers which are credited quarterly. Please see the Checking and Savings Rate Chart for additional information. 9) Certificate of Deposit (CD): Interest will be compounded and credited monthly for accounts having a term of 30 days. For accounts having a term of 91 days, interest will be compounded quarterly and credited at maturity. For account terms of greater than 91 days, interest will be compounded and credited quarterly. A penalty may be imposed for early withdrawal. You have 7 days after the maturity to withdraw funds without a penalty or account will automatically renew. See CD Rate Chart for interest rate and corresponding Annual Percentage Yield (APY) for the daily balance and term specified. Interest rate and APY will not change for the length of this account.