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To earn the Premium Rates, perform the following each monthly statement cycle: 12 Debit Card Transactions, one Direct Deposit or one ACH Auto Debit, Enroll and receive electronic statements, access On-Line Banking. Premium Rates 4.01% Annual Percentage Yield (APY) paid on balances up t $35,000, and 1.15% APY paid on all amounts above $35,000 each monthly statement cycle when the minimum requirements are met. If you do not meet the requirements each monthly statement cycle, your account will still function as a free checking account earning Base Rate 0.50% APY; however, it will not receive ATM refunds for that time period. Rates effective as of February 1, 2008. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No minimum balance to open the account. Available to Personal Accounts only. No monthly service charge. ** ATM fee refunds up to $20 per monthly statement cycle when requirements are met.