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Truth-In-Savings Disclosures
Rate Information
At our discretion, we may change the interest rate(s) for this account.
The initial rate(s) for your account are:
- If your daily balance is less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.050% with a(n) annual percentage yield of 0.05%.
- If your daily balance is $25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.100% with a(n) annual percentage yield of 0.10%.
The interest rate(s) and annual percentage yield(s) may change at any time.
Additional Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier.
The interest rate and annual percentage yield for these tiers may change. Interest is accrued on a daily basis on the full balance at the stated interest rate that corresponds to the applicable tier shown.
Crediting Frequency
The interest will be credited into this account monthly.
Compounding Frequency
The interest will be compounded monthly.
Effect of Closing an Account
If you close your account before interest is credited, you will not receive the accrued
interest.
interest.
Daily Balance Computation Method
The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits
The interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum Balance to Open
The minimum balance required to open this account is $50.00.
Minimum Balance to Avoid a Fee
Balance Fee - A Balance Fee of $7.50 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the statement cycle.
Item Fee - An Item Fee of $0.20 will be imposed for each transaction (withdrawal, check paid, automatic transfer or payment out of your account) if the average daily balance for the statement cycle falls below $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the statement cycle.
Overdraft Fee - An Overdraft Fee will be imposed for each transaction (withdrawal, check, automatic transfer or payment) paid out of your account if the balance in the account falls below $0.00 any day of the statement cycle.
NSF Fee - An NSF Fee will be imposed for each transaction (withdrawal, check, automatic transfer or payment) returned/not paid if the balance in the account falls below $0.00 any day of the statement cycle.
Deposit(s) Limitations
You may make an unlimited number of deposit(s) into your account.
Fees and Charges
The following fees and charges apply to this account:
Statement Processing Fee - A Statement Processing Fee will be imposed on this account each statement cycle. This fee can be avoided by enrolling in online banking and paperless document delivery. If your online banking account is inactive for more than 180 days, you will no longer be enrolled in paperless statements and will be charged a Statement Processing Fee.
Additional Terms
The following additional terms apply to this account:
The interest rate and annual percentage yield stated in this disclosure are accurate as of the date this disclosure was printed. If you would like more current rate and yield information, please call us at 304-876-9000.
See the separate disclosure titled "Common Features (Limits and Fees)" for details on the fees referenced within this disclosure as well as information on other fees that may impact your account.
Mortgage Loans
We offer a variety of mortgage loans with competitive interest rates. We offer fixed rate loans, adjustable rate loans, construction loans and home equity loans. Our dedicated lending team is ready to help you find a mortgage loan that is a perfect fit.