Interest rate and Annual Percentage Yield (APY) are subject to change after account opening. This may reduce earnings. Restricted by Federal Regulation to no more then six (6) withdrawals per month (this includes telephone and online banking transfers to another account and all pre-authorized or automatic transfers and ACH transfers). No more then three of the six withdrawals per month can be made by third party check (a third party check is a check made payable to any other person or business). Excessive withdrawals are subject to a $10.00 fee per withdrawal and / or account closure.