Atkins Savings Bank & Trust
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Rate information – Your interest rate and annual percentage yield may change.

Frequency of rate changes – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account – You must deposit $25.00 to open this account.

Daily balance computation method – We use a daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction Limitations - Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month will no transfers be check, draft, debit card or similar order to third parties.

Fees - A per debit fee of $1.00 will be charged for each withdrawal or payment out of this account in excess of four during a statement cycle.

For use of other bank services without standard fees, a $100.00 daily balance must be maintained.

Statements - You will receive a monthly account statement from us for your savings account, unless there is no activity within a given month. In any case you will receive a statement at least quarterly.

For more information stop in or contact us.

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