Qualification Details
*Annual Percentage Yield (APY) is accurate as of 7/1/2026, if qualifications are met during each monthly qualification cycle: (1)domestic ATM fees incurred during the qualification cycle will be reimbursed and credited to the account on the first business day of the next monthly cycle; Refunds on ATM fees over $5.00 may require proof of fee incurred; (2) balances up to $15,000 receive APY of 3.00% and (3) balances over $15,000 earn 1.00% on portion of balance over $15,000. If qualifications are not met, all balances earn 0.02% APY. For example, if qualifications are met on a balance of $115,000, you will earn up to 3.00% APY on the first $15,000, then you will earn up to 1% APY on the remaining $100,000. There are no minimum balance requirements for this account. There is a minimum deposit of $50 to open the account. Qualification criteria includes agreement to receive e-statements, direct deposit, and completing 12 qualified debit card transactions. Qualifying transactions post to and settle to account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post and settle to the account. ATM processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning the first day of the month through the last day of the month. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
