Interest Rates / Annual Percent Yield (APY)
(Effective: 4/28/2006) |
Balance Requirement
for Interest Rate |
Interest Rate |
APY |
|
| If your daily balance is $15,000 or more,
the interest rate paid on the entire balance in your account will be: |
4.41% |
4.50% |
This interest rate is subject to change, at our
discretion, at any time. |
| If your daily balance is greater than $4,999.99
and less than $15,000.00, the interest rate paid on the entire
balance in your account will be: |
3.15% |
3.20% |
This interest rate is subject to change, at our
discretion, at any time. |
| If your daily balance is greater than $2,499.99
and less than $5,000.00, the interest rate paid on the entire balance
in your account will be: |
2.13% |
2.15% |
This interest rate is subject to change, at our
discretion, at any time. |
| If your daily balance is greater than $499.99
and less than $2,500.00, the interest rate paid on the entire balance
will be: |
1.73% |
1.75% |
This interest rate is subject to change, at our
discretion, at any time. |
| If your daily balance is less than $500.00,
the interest rate paid on the entire balance will be: |
1.0% |
1.00% |
This interest rate is subject to change, at our
discretion, at any time. |
Service Fees (Fees
Subject to Change)
(Effective July 1, 2005) |
| One-Time Setup Fees |
| Bank Account |
|
| Online Enrollment |
$18.00 |
| Paper Completed Application |
$25.00 |
| Brokerage Account |
No Charge |
| Monthly Fees |
Monthly Bank Account Fee
(Waived on balances of $3,000 or more) |
$2.25 |
| Distributions by Check |
| Fifty Checks (Including Ten Deposit Tickets) |
$7.95 |
| Check Transactions |
No Charge |
| Check images returned with monthly bank statement
|
No Charge |
| Distributions by Debit Card - debit card
(MasterCard®) |
| Initial Card (at account opening) - Two year expiration
|
No Charge |
| 2nd Initial Card (For POA/Spousal use only) |
No Charge |
| Two year renewal per card |
$3.00 |
| Replacement of lost card |
$6.00 |
| Termination of Debit Card Access |
$6.00 |
| Debit card point-of-sale purchase via signature
|
No Charge |
| Per ATM withdrawal |
$1.50 |
| Per point-of-sale purchase using PIN |
$1.50 |
| Distributions by Withdrawal Form |
| Process Withdrawal Form |
$4.00 |
| Contributions |
| Contribution Form |
No Charge |
| On-Demand-Transfer via web site |
No Charge |
| Statement Stub Contribution Form |
No Charge |
| Automatic Contribution |
No Charge |
| Internet Banking |
| Balance inquiries, statement requests, download
transactions |
No Charge |
| Contributions |
No Charge |
| Other |
Bankline (800-565-3512)
Balance, transaction inquiries, etc. |
No Charge |
| Close Account Fee |
$25.00 |
| Excess Contribution Distribution |
$20.00 |
| Deposited item returned unpaid to us |
$10.00 |
| Overdraft / NSF per item drafted against HSA |
$20.00 |
| Wire transfer sent or received |
$15.00 |
| Stop payment requests per item |
$16.00 |
| Request copy of debit card transaction merchant
receipt |
$25.00 |
| Monthly Statement |
No Charge |
| Request copy of check or statement |
$.50 / pg. - $2.00 min. |
| Check Images |
No Charge |
| 1099, 5498, year-end status |
No Charge |
| Request copy of 1099, 5498, or year-end status |
$2.00 |
| IRS Filing |
No Charge |
| Corrected IRS filing fee (non-bank error) |
$10.00 |
LifeWise
HSA Plans
