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Foresight Bank
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Heath Savings e-Account Disclosure

ACCOUNT FEATURES
Free Online Banking: You may enroll in Foresight Bank's online banking application ("iBanking") by clicking here. There is no fee to enroll in or to use iBanking.
eStatements: Free online statements (required)
No-Fee Online Bill Payment Program: You may enroll in Foresight Bank's online Bill Pay program and make unlimited payments without charge.
 
INTEREST RATES AND ANNUAL PERCENTAGE YIELDS
Interest will be compounded and credited to your account every month. Your interest rate and annual percentage yield may change at any time without advance notice and according to Foresight Bank's discretion. The interest rate and annual percentage yield will be paid according to the following tiers.
Tier 1: If the daily collected balance in your account is less than $1,000.00, the interest paid on the entire balance will be 0.00% with an annual percentage yield of 0.00% (no interest will be paid on this balance).
Tier 2: If the daily collected balance in your account is at least $1,000.00 but less than $2,500.00, the interest rate paid on the entire balance will be 0.80% with an annual percentage yield of 0.80%.
Tier 3: If the daily collected balance in your account is at least $2,500.00 but less than $25,000.00, the interest rate paid on the entire balance will be 1.20% with an annual percentage yield of 1.21%.
Tier 4: If the daily collected balance in your account is at least $25,000.00, the interest rate paid on the entire balance will be 1.30% with an annual percentage yield of 1.31%.
 
TERMS AND CONDITIONS
Initial Deposit: You must deposit at least $10.00 to open this account.
Daily Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. The collected balance is calculated by subtracting uncollected checks from the account balance. An uncollected check is a check drawn on another bank for which Foresight Bank has not received final credit.
Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing the Account: If you close the account before interest is credited, you will receive the accrued interest.
Modification: Foresight Bank may make changes to the account terms and conditions (including fees) after providing 30 days' advance notice to you. The interest rate and annual percentage yield may change without any advance notice.
Other Terms and Conditions: Please see the Deposit Account Agreement for other important terms and conditions that apply to this account.
 
FEES THAT MAY BE ASSESSED AGAINST YOUR ACCOUNT, AS APPLICABLE
ATM Transactions: $1.00 ATM Fee per withdrawal at machines outside of the PULSE network. When you use an ATM not in the MoneyPass or PULSE networks, the ATM operator or network may charge you a fee for a withdrawal or a balance inquiry even if you do not complete a fund transfer.
International Transaction Fee: A fee of up to 1% of the transaction amount applies to debit card and ATM transactions with a merchant or ATM in a foreign country. The fee may show up as "C/B Fee", "C/C Fee", or both on your statement.
Overdraft Fee: $25.00 per paid non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means (excluding debit card transactions).
Return Item Fee: $25.00 per returned non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means.
Stop Payment Requests: $15.00 per request.
Dormant Account: $3.00 per month if your account does not have any activity in the previous 12 months and the account balance is less than $100.00.
Account Balancing Assistance: $20.00 per hour.
Check Printing: Fee depends upon style and quantity ordered.
Paper Statement Fee: $5.00 per month if you cancel your enrollment in eStatements or if eStatement e-mail notifications are undeliverable.