*Smart Checking:  For balances up to $10,000.00 the interest rate is 1.98% and the Annual Percentage Yield (APY) is 2.00%.  For balances over $10,000.00 the current rate is 1.98% with a 2.00% APY on the first $10,000.00 in deposits and an interest rate of 0.15% and a 0.15% APY on the portion of the balance above $10,000.00 for an APY of 2.00% to 0.34% APY.  If you do not meet the above qualifications, you will still earn the base interest rate of 0.03% with a 0.03% APY and you will be charged a monthly service charge of $12.50 on your Smart Checking account.  APY = Annual Percentage Yield.  APYs are accurate as of 1-19-2024.  Rate and rate tiers may change at any time and without prior notice after the account is opened. Qualifying transactions must post to and clear the Smart Checking account during the monthly statement cycle.  Transactions may take one or more banking days from the date the transaction was made to post to and clear the account.  ATM processed transactions do not count towards the qualifying debit card transactions.  Transfers between your accounts with us do not count as qualifying transactions.  Available to personal accounts only.  Minimum deposit to open the Smart Checking account is $100.00.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  The advertised Smart Checking APY is based on compounding interest.  Interest will be compounded daily and will be credited to the account monthly.  If the account is closed before interest is credited, you will not receive the accrued interest.  Actual interest amount paid may be less than the advertised Smart Checking APY.   Fees may reduce earnings.   Nonsufficient funds fees and miscellaneous fees apply to the Smart Checking.  No minimum balance required to maintain the account.  See the Schedule of Fees for additional fees related to the account. Limit one Smart Checking account per social security number.  E-statements are required. Account openings are subject to Bank approval.  Nonsufficient fund fees per debit item may apply if you withdraw more funds than are available in your account.  If the account is closed within the first six months an early close fee will be assessed. Third party message and data rates may apply. Non-Sufficient Funds (NSF) for Smart Checking:  The categories for which a non-sufficient funds fee may be imposed are those by any of the following means:  check, in-person withdrawal, ATM withdrawal, or other electronic means.  Daily NSF limits will apply to your account.  You may be charged a non-sufficient funds (NSF) fee for each check, ACH, ATM, or Debit Card transaction that causes your account balance to go into the negative up to five (5) per day at $37.00 each for a total daily maximum of $185.00.  The NSF fee will be charged whether the item is paid or returned.  If you have a non-sufficient funds item or transaction in an amount of $5.00 or less you will not be charged a non-sufficient (NSF) fee, whether the item is paid or returned.