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ADDITIONAL TERMS

*Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Must have at least twelve (12) debit card (PIN or signature based purchases accepted) purchases and one ACH debit or bill payment must post & settle during the Monthly Qualification Cycle. Rates and rewards are variable and may change at any time after account is opened. Fees may reduce earnings. Contact one of Woodlands Bank’s Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

** An interest rate of 1.490% will be paid on the portion of your daily balance that is less than or equal to $20,000 and the annual percentage yield (APY) for this tier is 1.50%. An interest rate of 0.250% will be paid on the portion of your daily balance that is greater than $20,000. This will result in an APY for this tier ranging from 1.50% to 0.25%, depending on the account’s entire balance. When High Interest account qualifications are not met, the interest rate paid on the High Interest account will reflect 0.0499% on the entire balance, with an APY of 0.05% and ATM fees are not refunded. The Annual Percentage Yields (APY’s) are accurate as of 1/11/2023 and subject to change without notice.

***3.00% cash rewards on debit card purchases (PIN and/or signature based) of $300 of less (maximum cash rewards of $9.00 per Monthly Qualification Cycle), that post and settle to the account during that cycle period. ATM-processed transactions do not count towards qualifying transactions. When Cash Rewards account qualifications are not met, no Cash Rewards payments are made and ATM fees are not reimbursed.

†The Annual Percentage Yields (APY’s) are accurate as of 2/11/2021 and subject to change without notice. To receive interest and avoid a $5.00 monthly service charge, a daily minimum balance requirement of $1,000 is required. Fees may reduce earnings.