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The minimum balance to open the account and receive the $50 offer is $10,000. You will receive your credit to your new account within 45 days of opening. Limit one $50.00 incentive per household. Offer valid only for new HERITAGE MMC accounts. Any applicable taxes are the responsibility of the account holder. Offer may be withdrawn or modified at any time without notice. For the current interest rate call First Federal Savings Bank. Fees may reduce earnings on the account.