First Bank of Baldwin Personal Checking
|Flat service fee if the daily balance drops below $8,500.00*
|Debit item charge per statement cycle (per item)
||0-3 no charge
4 or more $2.00 (per item)
|Stop payment order
|Return check or electronic payment (NSF), or overdraft item (per item)
|Certified check (per check)
|Copies of checks (per copy)
|ACH stop payment fee
||(Fee is determined by check style)
Compounding frequency-Interest will be compounded monthly.
Crediting frequency-Interest will be credited into this account monthly.
Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open-The minimum balance required to open this account is $8,500.00.
Minimum balance to obtain the disclosed annual percentage yield-You must maintain a minimum daily balance of $8,500.00 in your account each day to obtain the disclosed annual percentage yield
Minimum balance to avoid a fee-If your balance falls below $8,500.00 on any day in the month, your account will be subject to a $10.00 Flat Service Fee for that month.
Deposit limitations-You may make an unlimited number of deposits into your account.
Additional terms-The following additional terms apply to this account:
-Transaction limitations: You may make six (6) transfers from your account per month.
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