This account is free and EVERYONE can Qualify Pays 0.49% APY*
$25,000+ earns 0.10% APY*
Base Rate 0.05% (if requirements are not met)
* 0.49% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM refunds for that time period. Rates as of Jue 10th 2013. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance required. However, you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. ** ATM fee refunds up to $25 per cycle if the requirement are met.