
1. A recurring monthly direct deposit of $500+ (Automated deposit from an employer or government agency qualifies, transfers initiated by payment providers, e.g. PayPal does not) must be established within 6 months of account opening to earn 3.21% interest with an Annual Percentage Yield (APY) of 3.26%, as of 7-15-26 and subject to change. If a recurring direct deposit is not established, the account will revert to non-interest bearing. Minimum deposit to open: $50.00. E-statements provided. Paper statements: $5.00/month.