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Truth-in-Savings Notables Checking |
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TRUTH-IN-SAVINGS DISCLOSURE
Notables Checking Account
Interest Rate
Rate: 0.20%
APY: 0.20%
The Interest Rate and the Annual Percentage Yield for your account are shown hereon. This rate and corresponding APY are subject to change at any time and at the bank's discretion.
The balance on which interest is computed for your account is determined by the daily balance method.
Interest will be compounded monthly.
Interest will be credited monthly.
If account is closed before interest is credited, accrued interest will not be paid.
Interest begins to accrue on the business day you deposit non-cash items (i.e. - checks).
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $100.
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
You will earn interest for every day during the period that your account equals or exceeds this minimum balance requirement.
Transaction Limitations
There are no transaction limitations on this account.
Additional Fees and Terms
Style and quantity will vary cost of checks, deposit slips and withdrawal forms.
Monthly Base Fee: FREE
Transaction Fee: FREE
200 Bank Logo Checks: FREE
ATM card or Visa Check Card: FREE
Personal Money Orders: FREE
Domestic Single Signature Travelers Checks: FREE
Discount of Safe Deposit Box: $5 per year
(requires automatic withdrawal from your Notables checking account).
(The above fees are exceptions for Notables.)
Bonuses
You will receive one (1) $10.00 bonus for each applicable account or service opened, not to exceed $40.00. This bonus will be considered interest and reported to the IRS as such. This is a limited time offer to new households to Douglas County Bank only. When you open a Notable Checking account, sign up for one direct deposit, order one Visa Check Card, and/or open a new Savings or Money Market account you will receive one (1) $10.00 bonus for each applicable account or service as a bonus and will be paid at the same time the new Notable Checking account is opened.
Balance Computation Methods
The daily balance method applies a periodic rate to the full amount of principle in the account each day.
The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principle in the account for each day of the period and dividing that figure by the number of days in the period.
Schedule of Fees and Charges
| ATM Star Withdrawal | $1 |
| ATM Cirrus Withdrawal | $1 |
| ATM Star/Cirrus Balance Inquiry | $1 |
| ATM Star/Cirrus Transfer | $1 |
| ATM & Visa Check Card PIN Reorder | $3 |
| ATM & Visa Check Card Replacement | $5 |
| Automatic Funds Transfer | $2 |
| Bill Payment (Each) | $5 |
| Closing an Account (0-90 days) | $10 |
| Copies of Safekeeping Items | $2 |
| Overdrafts (Per Item) | $30 |
| Insufficient Funds (Per Item) | $30 |
| Returned Deposited Item | $3 |
| Annual Debit Card Fee | FREE |
| Stop Payment (Per Item) | $30 |
| Statement of Account — Instant | $1 |
| Statement of Account — Duplicate | $3 |
| Statement of Account — Special | $5 |
MICR encoded checks and deposits not purchased through the bank must be properly encoded. If the document does not meet the required standards, a handling charge of $1 per item may be assessed to re-encode the documents.
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. Equal Housing Lender. 