Simple Savings

Truth-In-Savings Disclosures

 

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.
 

Crediting Frequency 

The interest will be credited into this account monthly.
 

Compounding Frequency 

The interest will be compounded monthly.
 

Effect of Closing an Account

If you close your account before interest is credited, you will not receive the accrued
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 $50.00.
 

Minimum Balance to Avoid a Fee

Balance Fee - A Balance Fee of $2.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $50.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the statement cycle.
 
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.
 

Limitations on Frequency of Transfers 

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:
 
Statement Processing Fee - A Statement Processing Fee will be imposed on this account each statement cycle. This fee can be avoided by enrolling in online banking and paperless document delivery. If your online banking account is inactive for more than 180 days, you will no longer be enrolled in paperless statements and will be charged a Statement Processing Fee.
 
Item Fee - An Item Fee of $2.00 will be imposed for each item over the 6-item limitation, including withdrawals or transfers to another account of yours or to a third party.
 

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.

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