Account openings are subject to Bank approval.  Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account. We may change the interest rate on your account at any time and without prior notice after the account is opened.  Interest will be compounded daily and credited to your account every month.  If you close your account before interest is credited you will not receive the accrued interest.   If the account is closed within the first six months an early close fee will be assessed.