Business Savings

1  Subaccount Organization. We have organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g., a checking subaccount). You will transact business on this subaccount. The other is a nontransaction subaccount (e.g., a savings account). You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient and helps to keep costs down. 2 This is a variable rate product.  Please call the bank for details. 3 You will be charged our OD Paid Item Fee of $35 for each overdrawn item created by check, a teller withdrawal, an automatic payment (ACH) transaction or recurring VISA® check card payment. All negative balances must be brought positive within 30 days. Bank reserves the right not to pay item(s) if an account is not kept in good standing. Alternatives to cover overdrafts include a link to your savings account or a line of credit. If you have any questions, please call the bank at 1-866-552-6668 for details. Also, if you request us to do so, we may authorize and cover ATM transfers or withdrawals and everyday VISA® check card purchases. See Bounce Protection Overdraft Policy for complete details. 4 We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account, other than a time deposit or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.