1. Daily Overdraft (OD) Fee begins on the 5th calendar day after first overdraft item and continues for 30 calendar days if the account remains in a negative balance.
2. Individual overdraft items of $5.00 or less will not be charged a fee.
3. Transactions posted against insufficient or held funds.
4. A return item charge will not be assessed for ACH items returned or unpaid.
5. Accounts with no customer generated activity for a one year period will go dormant, and are subject to a $5/month fee until the account reaches a $0 balance or the funds are sent to the state (escheatment). Customer generated activity includes debit card purchases, withdrawals, customer check deposits, and money transfers from your HSA to your investment account. Direct deposits are not considered customer generated activity, as the deposit is initiated by an employer, not the customer. Dormant accounts will go into escheatment after a period of dormancy determined by the state of customer residency. Escheatment is the process through which funds are turned over to the state.
6. In accordance with Lending Club bank policies, accounts that have a zero dollar account balance for over 90 days will be closed. HSA accounts with linked TD Ameritrade investing are exempt from this closure.

Truth-In-Savings Disclosure

• eStatements – You must receive eStatements in order to qualify for this account.
  
• Rate Information – Your interest rate and annual percentage yield may change.
  
• Frequency of Rate Changes – We May change the interest rate on your account at any time.
• Determination of Rate – At our discretion, we may change the interest rate on your account.
• Compounding and Crediting Frequency – Interest will be compounded every month. Interest will be credited to your account every month.
• Effect of Closing An Account – If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Balance to Open The Account – There is no minimum to open this account.
• Minimum Balance to Obtain The Annual Percentage Yield Disclosed – You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
• Accrual of Interest On Non-cash Deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

*Annual Percentage Yield (APY) accurate as of 4/10/2020. Minimum amount to open a First Dollar HSA (Checking) account is $0.00. Rate of 0.01% applies to entire balance. Rates may change after account is opened. Fees may reduce earnings. FDIC-insured up to at least $250,000 per depositor.