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²High Interest Checking Account is a conditional tiered variable rate account. You must deposit $100.00 to open this account. The conditional interest rate and annual percentage yield is based on (A) fulfilling the minimum qualifying activity requirements per statement cycle, which are (1) a daily balance less than or equal to $1,000,000.00 and (2) 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, and (B) the portion of the balance within the following specified tiers: (a) If the minimum qualifying activity requirement is fulfilled and your daily balance is $150,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.01%; (b) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.35% will be paid only for that portion of your daily balance that is greater than $150,000 but not exceeding the amount of $1,000,000.00. The annual percentage yield for this tier will range from 1.01% to 0.45%, depending on the balance in the account; and (c) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.00% will be paid only for that portion of your daily balance that is greater than $1,000,000.00 The annual percentage yield for this tier will range from 0.45% to 0.00%, depending on the balance in the account. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01% with an annual percentage yield of 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of April 5, 2022 and may change without notice.