*Annual Percentage Yield (APY) effective as of 8/28/18 and subject to change. An active checking account is an account that has had at least one deposit or withdrawal post and clear in the previous six months. Offer is not available for Municipalities or Individual Retirement Accounts. Minimum $500 deposit required to open the account and earn the APY. Funds used to open the account must not currently be on deposit at Savings Institute Bank & Trust. Maximum deposit $1,000,000. You can withdraw your full balance and interest any time after the first 6 days following the date you funded the account. One early withdrawal is allowed per 17-month term. Additional early withdrawals are subject to substantial penalties. Fees may reduce earnings on the account.