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Minimum balance to open - $2.00
Transaction limitations: You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties.
Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and crediting frequency - Interest will be compounded and credited to your account annually.
Effect of closing account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

w  All deposits will be automatic transfers.

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