Passbook Savings (Consumer)

Rate Information:

At our discretion, we may change the interest rate for this account.   The interest rate on this account is 0.750% with an annual percentage yield of 0.75%.  The interest rate and annual percentage yield may change at any time.

Compounding Frequency:

Interest will be compounded semiannually.

Crediting Frequency:

Interest will be credited into this account semiannually.

Daily Balance Computation Method:

Interest is calculated by the daily balance method which applies a daily periodic rate to the bablance in the account each day.

Accrual of Interest on Non-Cash Deposits:

Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks) into your account. 

Minimum Balance to Open:

$25.00

Minimum Balance to Obtain the Disclosed Annual Percentage Yield:

You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Minimum Balance to Avoid a Fee:

If your balance falls below $200.00 on any day in the month, your account will be subject to a $0.50 Service Fee for that month.

Deposit Limitations:

You may make unlimited deposits into your account.

Additional Terms:

If there is EFT (Electronic Funds Transfer) activity on this account your statement cycle will be monthly.

 

 

   

 

Copyright Racine Home National Bank, 2004

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