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2Earn higher interest rates when you meet the following qualifications: have at least twelve (12) Mastercard® Debit Card Point of Sale (POS) transactions (excludes ATM transactions) post and clear; provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit per monthly qualification cycle. The interest rates and annual percentage yields may change at any time. When eligibility qualifications are not met, you will earn a reduced interest rate. If the qualifications are not met for 3 consecutive monthly cycles, the account may be converted to a regular checking account and account maintenance fees may apply. 

3Automated Overdraft item fee of $32.00 imposed for each Automated Overdraft item. A fee may be imposed for paying overdrafts created by check, in-person withdrawal, ATM, POS, or other electronic means. You must bring account to a positive balance at least every 30 days. Typically, overdrafts will not be paid if account is not in good standing, you are not making regular deposits, or you exceed the predetermined overdraft limit. Payment of overdrafts is discretionary and we reserve the right not to pay.