Business Savings

Basic Business Savings

$100.00 minimum opening deposit.
$1.00 minimum balance to obtain stated APY**.
Although discouraged, you may make unlimited withdrawals from this account subject to the fee structure identified in the Fees and Charges section.
Three (3) free withdrawals per month; additional withdrawals are $1.00 each.
$2.00 monthly service charge waived if $100 minimum balance is maintained.
First 25 deposited items free; .20 per item thereafter.

Business Money Market Gold

$2,500 minimum opening deposit.
$1.00 minimum balance to obtain stated APY**.
Tiered rate account. The more you keep, the higher the rate.
Although discouraged, you may make unlimited withdrawals from this account subject to the fee structure identified in the Fees and Charges section.
Three (3) free withdrawals per month; additional withdrawals are $1.00 each.
$10.00 monthly service charge waived if $2,500 minimum balance is maintained.
First 25 deposited items free; .20 per item thereafter.
Monthly imaged statement.

Certificates of Deposit (CD)

$1000 minimum opening deposit.
CD's are available for periods of 31 days to 48 months.
Interest rates/APY vary in accordance with term of CD*.

*All Certificates of Deposit require a minimum daily balance of $1.00 to obtain the disclosed APY. All IRAs require a minimum daily balance of $1.00 to obtain the disclosed APY. Crediting and compounding frequency varies with the term. Interest begins to accrue no later than the business day when you deposit non-cash items. Interest is compounded using the daily balance method by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. A penalty may be imposed for early withdrawal. Transfers or rollovers from a Bank of Hays IRA will be assessed a $25 fee. Fees on all accounts may reduce earnings.

**All interest checking and savings accounts are variable rate accounts with the interest rate and Annual Percentage Yield subject to change at any time by any amount at bank's discretion. Interest is compounded and credited monthly. Interest begins to accrue no later than the business day you deposit noncash items. Interest is compounded using the daily balance method, by applying a periodic rate to the full amount of principal in the account each day. Closing the account before interest is credited will forfeit the accrued interest. We reserve the right to require not less than 7 days written notice before any withdrawal from an interest-bearing account other than a time deposit or demand deposit, or from any other savings account defined by Regulation D. Fees on all accounts may reduce earnings.

All Savings

Statements are provided quarterly. If an account is affected by an electronic transaction, a statement will be provided during any month in which such a transaction occurs, but no less than quarterly. See bank provided rate sheet for current rates on accounts described.