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Truth-In-Savings Disclosure
Rate Information
At our discretion, we may change the interest rate(s) for this account.
The interest rate on this account is 0.050% with an annual percentage yield of 0.05%.
The interest rate(s) and annual percentage yield(s) may change at any time.
Additional Rate Information
Interest will be compounded and credited to your account on an annual basis at the time funds from your Christmas Club account are disbursed.
Crediting Frequency
The interest will be credited into this account annually.
Compounding Frequency
The interest will be compounded annually.
Effect of Closing an Account
If you close your account before interest is credited, you will not receive the accrued
interest.
interest.
Daily Balance Computation Method
The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits
The interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum Balance to Open
The minimum balance required to open this account is $1.00.
Minimum Balance to Avoid a Fee
Overdraft Fee - An Overdraft Fee will be imposed for each transaction (withdrawal, check, automatic transfer or payment) paid out of your account if the balance in the account falls below $0.00 any day of the statement cycle.
NSF Fee - An NSF Fee will be imposed for each transaction (withdrawal, check, automatic transfer or payment) returned/not paid if the balance in the account falls below $0.00 any day of the statement cycle.
Deposit(s) Limitations
You may make an unlimited number of deposit(s) into your account.
Withdrawal Limitations
During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check draft, debit card or similar order to a third party.
Fees and Charges
The following fees and charges apply to this account:
Item Fee - An Item Fee of $2.00 will be imposed for each item, including withdrawals or transfers to another account of yours or to a third party when these transactions occur outside of the annual disbursement of your Christmas Club funds.
Additional Terms
The following additional terms apply to this account:
The interest rate and annual percentage yield stated in this disclosure are accurate as of the date this disclosure was printed. If you would like more current rate and yield information, please call us at 304-876-9000.
See the separate disclosure titled "Common Features (Limits and Fees)" for details on the fees referenced within this disclosure as well as information on other fees that may impact your account.
Mortgage Loans
We offer a variety of mortgage loans with competitive interest rates. We offer fixed rate loans, adjustable rate loans, construction loans and home equity loans. Our dedicated lending team is ready to help you find a mortgage loan that is a perfect fit.