多種高回報的存款帳戶，幫助您實現更多收益。

*Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi, CDARS, and Certificate of Deposit Account Registry Service are registered trademarks of IntraFi LLC.

1. 利息將以「日餘額法」計算，每月入帳、且每月複利。「日餘額法」是指每天對帳戶中的全額本金，以日利率計算利息。如果在應計利息入帳到您的帳戶之前將其關閉，您將不會收到應計利息。
   
2. 我們以「日餘額法」計算利息。此方法會每天對帳戶中的本金以日利率計算利息。一旦您開立帳戶，您不得在到期前向您的帳戶存入任何額外款項。如果您在到期日之前提取部分或全部存入資金，本行將收取提前支取罰金。對於期限為 6 個月或以下的定期存款，罰金為提取金額相當於 1 個月利息；對於期限超過 6 個月的定期存款，罰金為提取金額相當於 3 個月利息。
3. 帳戶每日平均餘額不低於開戶存款金額，可免繳每月帳戶管理費。平均每日餘額的計算方法是將每日帳戶餘額總計除以對帳單週期的日曆天數。
4. 每個貨幣市場（Money Market）和儲蓄（Savings）帳戶在每個月的對帳單週期（至少四（4）週）內，最多僅可從一個帳戶進行六（6）筆提款和轉帳交易，例如支票、ACH、電話、網路。此限制不適用於透過分行、郵寄（透過支票支付並郵寄給您）或信差進行的提款。每筆超過此限額的交易將收取10美元的超額交易費，不論您的帳戶餘額為何。

2024 年 7 月 1 日生效。更多詳細信息，請參閱存款協議和披露以及存款利率表。產品、服務、利率和費用可能會有所變動。您可以造訪 FDIC Electronic Deposit Insurance Estimator（EDIE）https://edie.fdic.gov/index.html，了解您的存款受保金額。