MAXIMIZE earnings with higher dividend rates with MINIMIZED risk while keeping funds accessible. This account is designed to offer higher dividend rates, but with limited access during any calendar month. Six transactions are allowed out of the account in a given month, in the form of check, cash, pre-authorized, automatic transfer, telephone or electronic means. If you exceed these limitations, your account may be subject to applicable fees. No minimum balance is required. Tiered dividend rates are available and you have the ability to write checks.