The interest rate and annual percentage yield will depend upon the daily balance in the account as shown in the Personal Checking Accounts page under the heading "Rates". At our discretion, the interest rate and annual percentage yield may change daily on the account. Interest begins to accrue on the business day you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield. Fees and charges may reduce earnings on accounts.