CIRCLE MONEY MARKET
$0 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 2.20% 2.18%
$25,000 - $49,999.99 2.50% 2.47%
$50,000 + 3.00% 2.96% **
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Monthly Maintenance Fee $15.00
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Maintenance Fee Waiver $5,000 minimum daily balance and Circle Checking account required to waive monthly maintenance fees
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Minimum Opening Balance $50
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Monthly Statement Monthly statement detailing account activity
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Check Writing Limited check writing allowed (3-per statement cycle)
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Unlimited Deposits Yes
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Eligible for Direct Deposit Yes
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Unlimited Withdrawals No more than 6 pre-authorized automatic or telephone transfers, and withdraws (or combination), no more than 3 of which may be checks or POS.
$5.00 fee for excess checks, telephone and pre-authorized transfer beyond regulator limits.
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Penalty for Early Withdrawal None
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Debit Card Fee Access only with primary checking account
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Online Banking and Bill Payment Free
Not eligible for contributing bill payment account
* Annual Percentage Yield (APY) accurate as of 2/6/2005. Rates may change after account opening. The APY for balances of $50,000 or more is guaranteed through 7/1/2005. Account only available to existing Circle Checking account holder. Minimum deposit to open is $50. Applicable fees may reduce earnings. No more than 6 pre-authorized, automatic, or telephone transfers and withdrawals (or combination thereof), no more than 3 of which may be checks or Point of Sale. See the Account Rules and Regulations brochure for complete disclosures about the account. Business accounts not eligible.
