¹APY = Annual Percentage Yield. To earn the advertised dividend for your High Yield Checking account, you must you must meet the following minimum checking account requirements each statement cycle: (1) make minimum 10 debit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (3) be enrolled in Online Banking and receive monthly eStatements. Statement cycle: The statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. If you don’t meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. 4.50% APY is up to the first $10,000; balances of $10,001+ earn 0.00% APY. Dividends are paid on average daily balance, at the end of the month.  All transactions have to settle the account in order to meet the qualifications for both direct deposit and debit card purchases. If you close your account before interest is paid, you may not receive the accrued interest. Fees may reduce earnings on the account. Limit one high interest checking per Social Security number.