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.
Minimum balance to open the account - You must deposit $50 to open this account.
Minimum balance to avoid imposition of fees - A statement fee of $15 will be imposed every statement cycle if you do not hold a deposit account (in addition to this NOW account) with a balance of at least $2,500 or a mortgage loan or a home equity line of credit at Asheville Savings Bank on the statement printing date or maintain a $2,500 minimum daily balance in this NOW account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
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.
Minimum balance to open the account - You must deposit $50 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after banking day you deposit noncash items (for example, checks).
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.
Minimum balance to open the account - You must deposit $50 to open this account.
Minimum balance to avoid imposition of fees - A statement charge fee of $6 will be imposed every statement cycle if the balance in the account fails below $500 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example checks).
Minimum balance to open the account - You must deposit $50 to open this account.
Cancelled checks or images of cancelled checks are not returned with the monthly statement.
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 you your account every month.
Minimum balance to open the account - You must deposit $25.00
to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
Minimum balance to avoid imposition of fees - A service charge of $1 will be imposed every statement cycle if the balance in the account falls below $300 any time during the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction Limitations - Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, computer or telephone transfer are limited to six per statement cycle with no more than three by debit card or similar order to third parties.
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 quarter. Interest will be credited to your account every quarter.
Minimum balance to open the account - You must deposit $25.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins
to accrue on the first business day after the banking you deposit
noncash items (for example, checks).
Transaction Limitations - You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic or telephone transfer or similar order to third parties.
Account ownership - You must be age 16 or younger to open this account. Accounts opened for children under the age of 12 must be held as a custodial account under the North Carolina Uniform Transfer to Minors Act.
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.
Minimum balance to open the account - You must deposit $100.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins
to accrue on the first business day after the banking day you deposit
noncash items(for example, checks)
Rate Information - Your interest rate an 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.
Minimum balance to open the account - You must deposit $10,000.00
to open this account.
Minimum balance to avoid imposition of fees - A statement
charge fee of $10.00 will be imposed every statement cycle if the
balance in the account falls below $10,000.00 any day of the cycle
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
Rate Information - Your interest rate an 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.
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to avoid imposition of fees - A statement charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
Please refer to our separate fee schedule for additional information about charges.
We may require not less than 7 days notice in writing before each withdrawal from and interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See you notice of penalty for early withdrawal.
Revised 5/2006
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