$100 offer requires direct deposit sign-up within the first 30 days of account opening. Bonus will be credited to account within 60 days after the first direct deposit is made. APY is .25% as of 9/1/06. The rate may change after the account is opened. Minimum balance to open the account and obtain the bonus is $100. Minimum balance to obtain APY is $1. New accounts only. A $100 service fee will be deducted if the account is closed within six months. Offer may be withdrawn at any time.