APY=Annual Percentage Yield. APYs accurate as of 6/1/2015. Rates may change after account is opened. Minimum to open is $50 for REAL Checking and $5 for REAL Savers. For REAL Checking, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction up to a maximum of $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.56%; and (3) balances over $10,000 earn 0.50% APY interest rate on the portion of the balance over $10,000, resulting in 3.56% - 0.50% APY depending on the balance. If qualifications are not met on REAL Checking all balances earn 0.10% APY. The advertised REAL Checking APY is based on compounding interest. Interest earned in REAL Checking is automatically transferred to REAL Savers each statement cycle and does not compound. Actual interest amount paid may be less than advertised REAL Checking APY. The REAL Savers APYs may be less than REAL Checking APYs. If qualifications in REAL Checking are met each monthly qualification cycle; all balances in REAL Savers receive an APY of 0.75%. If qualifications are not met on REAL Checking, all balances in REALSaver earn 0.75% APY. Qualifying transactions must post to and settle REAL Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Refer to the monthly qualification cycle calendar. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.