Fixed Rate Information. The dividend rate and annual percentage yield (“APY”) Balance Computation Method. All accounts use the Daily Balance method. Dividends are calculated by applying a daily periodic rate to the balance in the account each day. Nonsufficient Funds Returns. Any check or pre-authorized transfer, or transaction made through the use of your ATM or debit Card, or other electronic means, as is applicable (including any in-person transaction), that is presented to us for payment on your Account when your Account lacks sufficient collected funds to pay any such item may, at our option, be returned for nonsufficient funds or we may honor any such item and regardless of whether we pay the item, we will charge you a fee.
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