EACH MONTHLY QUALIFICATION CYCLE: Have at least 12 signature-based debit card purchases post and settle, have at least 1 direct deposit or automatic payment (ACH) post and settle, and be enrolled and receive eStatement notice
*APY=Annual Percentage Yield. APYs are accurate as of 6/24/2013. Rates may change after account is opened. Minimum to open account is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.01%; (3) balances over $10,000 earn 0.35% interest rate on portion of balance over $10,000, resulting in 2.01% - 0.50% APY depending on balance in account; and (4) charitable contributions equal to $0.05 will be made to select charities on all debit card purchases over $10.00 that post to and settle account during monthly qualification cycle. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.