HSA CHECKING ACCOUNT

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. 

This account offers a debit card and checks, and earns interest. See our complete terms and conditions for detailed information on this account. 

HSA CHECKING TISA Disclosure    HSA RATES

MONEY MARKET DEPOSIT ACCOUNT (MMDA)

Our Money Market deposit accounts offer tiered interest rates, earning you more on higher balances. This account offers a debit card and checks. Federal law limits the number of withdrawals and transfers you can make from your MMDA account during each statement cycle. See our complete terms and conditions for detailed information on this account.

• This account is available to anyone, including businesses.
• The minimum deposit required to open this account is $2,500.00.
• A monthly minimum balance fee of $5.00 is applied if the minimum daily balance for the monthly statement cycle falls below $2,500.00.
• Each statement cycle, you may make six (6) transfers, withdrawals, checks or a combination of such before incurring a per transaction fee of $5.00.
• This is a tiered-rate account. The interest rate and annual percentage yield may change at our discretion.
• Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).
• Interest will be compounded monthly and credited to the account on a monthly basis.
• The interest accrual method is 365/365 days.
• A minimum daily balance of $2,500.00 or greater must be maintained to earn the disclosed annual percentage yield.
• The 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.
• There is no monthly dormant account fee for minimum daily balances of $2,500.00 or greater; otherwise a $5.00 monthly dormant account fee will be assessed after 12 months of no activity within the account.

MMDA RATES

OVERDRAFT SOLUTIONS

AUTOMATIC TRANSFER AUTHORIZATION (ATA)

• An ATA can be set up between a checking or savings account.
• There is a $5.00 fee applied each business day in which account transfers occur.
• Funds will be transferred from the eligible account to the checking account in increments of $100.00. Please note: Partial transfers will occur if funds are not sufficient to meet the transfer increment, even if they will not fully cover the overdrawn item(s). The transfer fee stated in this section will be charged for partial transfers under this agreement.

OVERDRAFT PROTECTION ACCOUNT

• The Line of Credit (LOC) is tied to any checking account except HSA Checking Accounts.
• There is a $10.00 Semi-Annual Fee for this LOC, with a $5.00 transfer fee to access the attached Line of Credit.
• Funds will be transferred from the LOC to the checking account in increments of $100.00. Please note: Partial transfers will occur if funds are not sufficient to meet the transfer increment, even if they will not fully cover the overdrawn item(s). The transfer fee stated in this section will be charged for partial transfers under this agreement.
• The minimum monthly automatic payment is $50.00 to repay the Line of Credit.
• The default Line of Credit limit is $500.00.

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