^Minimum opening deposit $100 & no minimum balance. An earnings credit of 0.50% Rate &
APY will be calculated monthly using the average daily collected balance (minus a 10% reserve requirement). The following fees are assessed against the monthly earnings credit. Business Paper Statement Fee $5.00 (eStatements free w/ valid email address), Business withdrawal fee $0.15, Deposited Return Item $10.00, Non FSB & OnUs Checks $0.05, RDC (Remote Deposit Checks) $0.05, ACH Originated Debit or Credit $0.10, Deposit Fee $0.25 (over 20 per month), Deposit Offage $4.00, ACH Services Fee $5.00, Cash Processing Fee (monthly cash
deposit totals over $7,000.00) $0.10/$100.00, Sweep Fee $25.00, Negative collected balance- Prime+1%.