1 Consumer Deposit Balances would include any of the following: Checking Accounts (excluding Nexa), Savings Accounts, Money Market Accounts, HSAs, CDs, and IRA CDs.
2 10 qualifying debit card transactions must post and settle during the benefits evaluation period. Qualifying transactions include debit card purchases made with a PIN or signature and do not include ATM transactions. See the benefits evaluation period description above for details.
3 Consumer Loan Balances would include any of the following: Car Loan, Personal Loan, Line of Credit, Home Equity Loan, Home Equity Line of Credit, Mortgages that stay on balance sheet (sold mortgages will not be able to be evaluated for balances).
4 5 ACH transactions must post and settle during the benefits evaluation period. Scheduled payments that have not yet posted do not count toward the required transactions for the current benefits evaluation period. ACH transactions made through the online or mobile bill pay system do not qualify. See description of benefits evaluation period above.
5 INTEREST: A bump interest rate corresponding to your benefits tier will be added to the base interest rate disclosed on your Confirmation of Time Deposit at the time of opening or disclosed on your maturity notice at the time of the last maturity, whichever is later. The bump interest rate will accrue each day you qualify for the benefits tier corresponding to that bump interest rate. Although the bump interest rate can vary depending on the benefits tier you qualify for in the benefits evaluation period, your base interest rate will never fall below what was disclosed at account opening or at renewal, whichever is later.
6 The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank's Consumer Rate Sheet, plus a bump interest rate, if qualifications are met during the applicable benefits evaluation period. We may change the bump interest rate on your account every time you qualify for a different benefits tier. Although the bump interest rate can vary depending on the benefits tier you qualify for in the benefits evaluation period, your base interest rate will never fall below the interest rate disclosed on the Bank's Consumer Rate Sheet for the period and the corresponding savings or money market account type.
7 ATM withdrawal fees charged by American Bank & Trust will be waived. Fees charged by the ATM owner or operator may still apply.
Terms & Conditions
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