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Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to open the account - You must deposit $200.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $6.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $600.00 or a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Fees - An excess check fee of $.15 will be charged for each debit or check in excess of 25 during a monthly statement cycle. This fee will apply if you do not maintain either a minimum daily balance of $600.00 or a minimum average daily balance of $1,500.00 for the monthly statement cycle.
Rate information - Your interest rate and annual percentage yield may change. This is a tiered rate account. The interest rate and corresponding annual percentage yield for each specified balance level are disclosed on the Rates page.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Minimum Compensating balance to avoid imposition of fees - A service charge of $10.00 per statement cycle will be waived with a minimum $15,000.00 balance on statement date in combination of identified Now, Savings, Money Market Demand Account, Certificate of Deposit, or Home Equity Line of Credit accounts.
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Fees - A membership fee of $6.00 will be charged each monthly statement cycle. This fee will be reduced to $5.00 if you are 50 years of age or older and we have been so notified.
Rate information - Your interest rate and annual percentage yield may change. This is a tiered rate account. The interest rate and corresponding annual percentage yield for each specified balance level are disclosed on the Rates page.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account quarterly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.
Fees - A per item service charge fee of $2.00 will be charged for each withdrawal in excess of four during a calendar month.
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account quarterly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $10.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a Smart Kids Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.
Fees - A per item service charge fee of $1.00 will be charged for each withdrawal in excess of three during a calendar month.
Additional Terms - This account automatically changes to Banterra's Preferred Savings at age 22.
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee of $8.50 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average daily balance of $2,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.
Rate information - Your interest rate and annual percentage yield may change. This is a tiered rate account. The interest rate and corresponding annual percentage yield for each specified balance level are disclosed on the Rates page.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $10,000.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge of $10.00 per statement cycle will be waived with $10,000.00 minimum daily balance in combination of identified Banterra’s Preferred Money Market, NOW, Savings, Money Market Deposit Account, Certificate of Deposit, or Home Equity Line of Credit accounts.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a High Yield Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.
Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Fees and Charges - Annual fee of $25.00 will be charged on the first statement cycle and then that month each year following.
Additional Terms -
COMMON FEATURES
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
Schedule of Fees
We will charge the normal service charge on all accounts even if there has been no activity in the account. The fee will equal the normal service charge for that account. This fee is charged each month.
We may require not less than seven days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
