*APY = Annual Percentage Yield

1. A Service fee of $7.00 will be imposed if the balance in the account falls below the $100 minimum at any time during the monthly statement cycle.
2. Account statements (including up to 12 months of account activity) are available 24 hours a day online via the Internet. Telephone Banking is also available 24 hours a day. Customers can request hard copy, paper statements, for a fee of $5.00 per month, by contacting us. Link here for Contact Information.
3. Transfers from a Savings account to another account, or to a third party financial institution, by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle, with no transfers by check, draft, debit card and/or POS, or similar order to a third party. If the account exceeds six transfers in a statement cycle, a fee of $2.50 will be imposed per transfer.

Notes: Fees may reduce earnings. APY is accurate as of 05/09/2008 . The interest rate and APY may change after the account is opened. UmbrellaBank reserves the right to change the interest rate and APY at any time.  Rates and terms are subject to change without notice. Interest begins to accrue no later than the business day UmbrellaBank receives your deposit for non-cash items (for example, checks). Interest is not considered earned until posted. Closing an account prior to posting will result in the loss of accrued interest.

Umbrellabank.com deposit accounts are subject to approval.