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Disclosure of Account Terms:
The following applies to all interest bearing accounts - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (ex: checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited you will not receive the accrued interest.
The following also applies to Premier and Money Market accounts - You may make six (6) transfers from your account each four (4) week or similar period by check, debit card or similar order including by preauthorized or automatic transfer, or by telephone (including data transmission) agreement, or instruction to third parties. Transfers or withdrawals made to another account of the same depositor at the same bank, if made by preauthorized or automatic transfer, telephone (including data transmission) agreement or instruction are also included.
Reg. GG Account Disclosure - (Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful internet gambling.