IRA. Rate Information — Your interest rate and annual percentage yield will remain in effect until the first maturity date. Compounding Frequency — Interest will be compounded continuously. Crediting Frequency — 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 $250 to open this account. Minimum Balance to Obtain the Annual Percentage Yield Disclosed — You must maintain a minimum balance of $250 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 Noncash Deposits — Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction Limitations: Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. (REVISION DATE JULY 2010) FACTS WHAT DOES ▇▇▇▇▇▇▇ BANK DO WITH YOUR PERSONAL INFORMATION? REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES ▇▇▇▇▇▇▇ BANK SHARE? CAN YOU LIMIT THIS SHARING?
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Sources: Deposit Account Agreement, Deposit Account Agreement