Qualifying for your High Interest checking rewards automatically qualifies you for the highest Saver savings account rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your High Interest account during each monthly Monthly Qualification Cycle

Even if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify. Base rates are as follows

When your High Interest account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account on the last day of the current statement cycle:

*Additional Terms

When your High Interest qualifications are met during a Monthly Qualification Cycle, 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. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. You will also receive reimbursement of ATM fees imposed by other U.S. financial institutions up to an aggregate amount of $25.00 per Monthly Qualification Cycle. ATM fees will be reimbursed up to a maximum of $5.00 per ATM transaction. 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 is subject to change without notice. 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. At least twelve (12) debit card (PIN or signature based purchases accepted) purchases and one (1) 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.