*Annual Percentage Yield (APY) *All Banesco USA products and services are subject to applicable customer agreements, terms, conditions, disclosures, and application requirements. Fees may reduce earnings. Regulatory limit of six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer) including drafts, checks, debit card, or similar order (including POS transactions) payable to a third party, from your money market account per statement cycle. The preauthorized or automatic transactions may be initiated by Telephone Banking, Banesco USA Online Banking, or standing order. Limit does not apply to in-person withdrawals or withdrawals at an ATM. Exceeding the regulatory limit on transfers, payments or withdrawals on more than an occasional basis may result in money market account being converted to a transaction account. BanesGrow Savings Account: The minimum balance to open a BanesGrow Savings Account is $100.00. The minimum balance to obtain the advertised APY is $300.00. BanesFlex Money Market Account: The minimum balance to open a BanesFlex Money Market Account is $2,500.00. Daily balances of $100,000 and over earn 2.27% APY, daily balances of $2,500 to $99,999.99 earn 1.15% APY and daily balances under $2,500 will not earn interest. Member FDIC. If you are a new customer that opened an account via Online, the following special rules will apply: A temporary hold will be placed on initial funds used to open the new account. Funds received via ACH, have a four (4) day hold period and will generally be available for withdrawal on the fifth (5) busines day the account is funded.