Disclosure 1: To qualify for this offer, clients must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of the new Money Market Account account opening are not eligible.

Disclosure 2: Waive the $20 monthly service fee by maintaining a minimum average daily ledger balance of $10,000 or more. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Disclosure 3: Six free withdrawals per statement cycle. Each additional withdrawal incurs a $5 fee.

Disclosure 4: Variable Rate: The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield stated are accurate as of 07/12/24. If you would like more current rate and yield information, please call us at 1-877-955-3722.  

Disclosure 5: You must deposit at least $10,000.00 to open this account. A minimum balance fee of $ 20.00 will be imposed every statement cycle if the average daily balance for the Consumer Premium Money Market falls below $ 10,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 

Disclosure 6: To Obtain the Annual Percentage Yield Disclosed, you must maintain a minimum balance of $ 2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Disclosure 7: Interest will be compounded every month. If you close your account before interest is credited, you will not receive the accrued interest.

Disclosure 8: We use the 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. 

Disclosure 9: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).