MINIMUM BALANCE REQUIREMENTS. No minimum balance requirements apply to this account.
PROCESSING ORDER. All credit transactions are processed first. Debits, or withdrawals, from your account will be processed from the lowest dollar amount to the highest dollar amount. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.
TRANSACTION LIMITATIONS. No transaction limitations apply to this account.
BONUSES. You will be paid $100.00 as a bonus within 10 business days of meeting requirements. To earn the bonus, you must deposit $25.00 when you open the account. Additional Requirements:
- You must have a direct deposit made into the account within 60 days of account opening. Your direct deposit must be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer
- Direct deposit must be at least $250.00 per month
- If the account is closed within 6 months after opening, the bonus amount will be deducted the $100 bonus at closing.
CHECKING ACCOUNT WITH SUBACCOUNTS. This account consists of a checking sub account and a savings sub account. The bank may periodically transfer funds between these two sub accounts. If your account is a plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non-interest bearing. The savings sub account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. - If an average daily balance of equal to or greater than $500.00 is maintained throughout the statement cycle and a direct deposit is received, foreign ATM fees will be refunded up to $10 per statement cycle.
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.