^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. Maintenance (Waived E-Stmt) $10.00, Sweep Service: $25.00*, RDC Service: $10.00*, ACH Service: $10.00*, ACH Originated Transactions: $0.12*, ACH Chargeback: $10.00*, Returned Item: $12.00*, Cash Processing (monthly cash totals over $7,000) $0.10/$100.00*, Rolled Coin: $0.15*, Business Items (any deposit or withdrawal): $0.17*, Checks Deposited: $0.10*, Negative Collected Balance: Prime + 3.00%. *Subject to state & local tax.