Accounts closed within 90 days of opening may be charged an early closing fee of $25. *Overdraft protection, credit and debit cards are subject to credit approval. **Earnings Credit is calculated based on your collected balances less the Federal Reserve required margin, to offset the fees incurred. ***For specific interest rates and details, visit or call one of our financial centers. ****If the monthly cash deposit exceeds $50,000, the account will be converted to Commercial Checking.