Receive 4.00% APY and ATM fee refunds worldwide when you meet the following monthly requirements:
* Use VIsaŽ Check Card a minimum of 15 times (excludes PIN and ATM based transactions)
* Enroll in Personal Online Banking
* Receive monthly statements electronically
* Set up a minimum of one direct deposit or debit
Annual percentage yield. Rate may change after account opening. APY is accurate as of November 1, 2010 and is not an introductory rate. To obtain premium APY and ATM refunds, you must have an opening deposit of $100, meet required 15 Visa Check Card credit-based transactions posted per statement cycle, receive your monthly statement via eStatements with a valid email address, enroll in Online Banking, and set up minimum of one direct deposit or direct debit. If 15 Visa Check Card credit-based transactions requirement is not met, you will receive a reduced interest rate and APY of .10%. Balances over $25,000 earn interest at .20% APY. Maximum ATM fee refund of $20 per month. Fees may reduce earnings.