Reward Checking requires $100 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 3.01%APY* (Bonus rate) is paid up on balances between one penny and $25,000, and 1.01% APY on any balance above $25,000. Ifrequirements are met in the statement cycle, ATM fees up to $25 per month will be refunded. Requirements for earning the Bonus rateand fee refunds include: 10 debit card transactions in statement cycle (ATM transactions excluded), electronic statement delivery and onedirect deposit or ACH auto debit per statement cycle. APY accurate as of October 1, 2007. If you do not meet the requirements duringthe statement cycle, you will earn the Base rate of .10% APY and you will not receive the ATM refunds. We may change the rate, APYand requirements at any time. Fees may reduce earnings.