1 Business Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the table below. If the account balance falls below the minimum the next lowest tier’s 1.00% APY will apply. If balance falls below the $1,000 minimum daily balance for the lowest tier, there is a $10.00 fee and the regular savings rate will apply until the minimum balance requirement is met.

You may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (1) a predetermined time; (2) on a fixed schedule or (3) upon or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.