Advantage Interest Checking – Truth in Savings

TISA Disclosure for DD Product 004

ADVANTAGE INTEREST CHECKING 08/19/2019

Minimum Balance to Open Account – $50.00

Minimum Balance to Avoid Imposition of Monthly Base Fee – A monthly base fee of

$8.00 will be imposed unless a minimum daily balance of $1,500.00 is maintained for the monthly statement cycle.

Please refer to our “Schedule of Deposit Service Fees” for additional fee(s) which may apply.

Rate Information:

NOTE: In this disclosure, Annual Percentage Yield is abbreviated as “APY”.

		Interest
		Rate	APY
Balances Through	$999.99	.0000%	.00%
$1,000.00-	$1,499.99	.2500%	.25%
$1,500.00-	$24,999.99	.3500%	.35%
Balances Over	$24,999.99	.3500%	.35%

The interest rate and annual percentage yield may change.

For rate information after this date, please call us at 678-284-3432. Frequency of Rate Changes – We may change the interest rate on the account at any time.

Determination of Rate – At our discretion, we may change the interest rate on the account.

Compounding and Crediting Frequency – Interest will be compounded every day. Interest will be credited to the account on the last day of your statement period.

Accrual of interest on Noncash deposits – Interest begins to accrue on the business day we receive credit for the deposit on noncash items (for example, checks).

Daily Balance Computation Method – A daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Effect of Closing Account – Accrued interest will be paid.

We reserve the right to change the terms of an account or product.
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