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*$25 minimum deposit is required to open the OMB High Interest checking account and $25 minimum deposit is required to open the OMB High Interest savings account. APY = Annual Percentage Yield. APYs accurate as of 6/7/2022. Reward Information: When your linked OMB High Interest checking account qualifications are met during a Monthly Qualification Cycle (MQC), the following rewards will be distributed to your account(s) on the last day of the monthly qualification cycle: OMB High Interest savings account: Balances up to $100,000 receive APY of 1.00%; and balances over $100,000 earn 0.25% APY, resulting in a range from 0.63% to 1.00% APY depending on the account's balance. OMB High Interest checking account: Balances up to $25,000 receive a non-compounding APY* of 2.01%; and balances over $25,000 earn a non-compounding APY* of 0.10%, resulting in a non-compounding range from 0.48% to 2.01% APY* depending on the account's balance. Plus, your OMB High Interest Savings account will also receive reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees imposed by us and other financial institutions and incurred during the MQC in which you qualified.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements may apply. Receipt of monthly electronic statements (eStatements) is a condition of this account. The OMB High Interest checking account qualifications to be met during a Monthly Qualification Cycle are to have:
(1) twelve (12) debit card transactions posted to your account, and;
(2) one (1) monthly Direct Deposit or ACH credit/debit posted to your account
When OMB High Interest checking account qualifications are not met during a Monthly Qualification Cycle (MQC), OMB High Interest savings account: All balances earn 0.05% APY. OMB High Interest checking account: All balances earn a non-compounding APY* of 0.01% and ATM withdrawal fees are not refunded.
Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. *When linked to the OMB High Interest savings account, the interest earned within the OMB High Interest checking account does not compound since it is automatically transferred to the OMB High Interest savings account within one day. This automatic transfer may cause an overdraft to your OMB High Interest checking account if the account's balance is less than the transferred amount when transfer occurs. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Limit one (1) account per social security number. An OMB High Interest checking account is required to have an OMB High Interest savings account. The OMB High Interest checking account must remain open throughout the period that you hold the OMB High Interest savings account. In the event that you or we close your OMB High Interest checking account, your OMB High Interest savings account will be closed as well. If the account is closed, you will forfeit any rewards that have not been credited to your account. A linked OMB High Interest savings account is required for automatic savings. The OMB High Interest savings account has transaction limitations by regulation and does not allow more than six (6) withdrawals or transfers per calendar month. Accounts are for personal use only. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.
