Money Market Select Disclosure

Florida Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-709-2500. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.


Kentucky/Indiana Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-584-3600. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.


Minnesota Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-584-3600. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.


Tennessee Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-584-3600. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.


Ohio Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-584-3600. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.


Northern Kentucky Content


This disclosure contains the rules, which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us toll free at 1-888-584-3600. This time deposit is not transferable.

We reserve the right to require, at any time, not less than seven days notice in writing before any withdrawal from this interest bearing account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms, interest rate, or fees contained in this disclosure.

Rate Information
The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account


Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $15,000.00 or establish direct deposit.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

After 18 months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Disclosure Terms
Unlimited transactions in-person at a banking center or at ATMs. Limit of 6 transactions of other types per statement cycle. $20 fee for each restricted transaction above 6 per statement cycle.

A $10 fee will be imposed every statement cycle if the balance falls below $15,000 during that cycle.