Offer available to qualifying personal checking account customers only. Must be enrolled for either direct deposit or electronic bill pay services. Offer does not apply to existing balances on deposit. Offer not available for savings, commercial or non-profit accounts.

*Annual Percentage Yield (APY) is accurate as of 9/9/08. Minimum deposit to open is $5,000 in new funds to the bank. Maximum deposit $100,000. APY assumes interest will remain on deposit until maturity. Penalty for early withdrawal. Fees may reduce earnings. Rates and terms are subject to change without notice.