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Terms:
OPT Checking base account includes: low opening deposit of $25, $.05 cash back for all signature check card purchases, no monthly fee, no minimum balance to maintain, unlimited check writing, Instant Issue Check Card with no annual fee, and free online banking. OPT Checking options include: free online bill pay, free standard checks, one overdraft fee refund per year, $25 annual bonus on your account anniversary, an additional $.05 cash back for every signature check card transaction, no charge from us for use of other institution's ATM, interest paid monthly on daily collected balance. Customer gets two options for free; additional options can be selected for $2.00 each a month. If the option to earn interest is selected, annual percentage yield is 0.05%. Rate is current through 06/5/2011 and subject to change. Fees could reduce earnings.
