*APY is a variable rate and is effective as of 6/1/23. Higher dividend rate and ATM refunds are based on meeting all SmartRate Checking requirements. Requirements include: eStatements, twenty debit card transactions and direct deposit (or ACH debit) per cycle. All checking accounts require a $50.00 opening balance. Account holders will be charged a fee of $2.00 per month for each statement printed and mailed. There is no fee for eStatements. Fees could reduce the earnings on the account. All rates, terms and products are subject to change without notice.
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