*Maintain a daily collected balance according to the tiers to earn the disclosed APY. Permitted to make a total of 6 withdrawals each monthly statement cycle by the following methods: in-person transactions at banking centers, automatic transfers, preauthorized payments, telephone (including ExpressBank and Online Banking) and wire transfers. A $10 excessive withdrawal fee will be assessed for each transaction exceeding these limits. The Bank will not assess more than five excessive withdrawal fees per statement cycle. However, to comply with federal regulations, if you exceed the transaction limitations on more than an occasional basis, the Bank will convert your account to a non-interest bearing checking account.