*Current as of January 27, 2014. Annual Percentage Yield may change after account opening. When minimum cycle activity requirements are met a premium interest rate of 1.00% APY will be paid on balances between $0.01 and $25,000 and a minimum savings rate of .01% APY will be paid on balances above $25,000. If minimum cycle activity requirements are not met, minimum savings APY will be paid on the entire balance. Minimum cycle activity to obtain the rate includes at least 12 MasterCard® Debit Card signature-based and/or Point of Sale PIN-based transactions (excluding ATMs). Customers must enroll and receive electronic statements, provide and maintain a valid email address through Online Banking and receive at least one ACH deposit each statement cycle. If minimum cycle activity requirements are met, we will refund ATM transaction fees within the Continental U.S. $100 minimum opening deposit. Fees may reduce earnings. National average for high yield checking accounts as of January 27, 2014 at FDIC.gov. Please contact us at 972.461.1300 to obtain current rates or with any questions.