Rates

Qualification Information: There are two qualifications of this account in order to receive the rewards: agree to receive e-statements once enrolled in on-line banking, and to make at least 15 debit card pin or signature based transactions during the qualification cycle.  Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning (1) one day prior to the first day of the current statement cycle through (1) one business day prior to the close of the current statement cycle.

 Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Tier 1: An interest rate of 3.0% will be paid on the portion of your average daily balance that is $25,000.00 or less. The annual percentage yield for this tier is 3.04%. Tier 2: An interest rate of 0.23% will be paid on the portion of your average daily balance that is more than $25,000.00. The annual percentage yield for this tier will be 0.23%.  Based on an example where your total account balance is $125,000.00 for each day of the monthly qualification cycle and does not change, the blended annual percentage yield for that balance in both Tiers will be 0.79%.  If, in this same example, the total balance in the account varies during the monthly qualification cycle but does not exceed $125,000.00, the annual percentage yield will vary from 3.04% to 0.79%. You will receive reimbursements up to but not exceeding 5 dollars for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees you must contact us within sixty (60) calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Rates are current as of date of account opening.

 Additional Information: Account approval, qualifications, limits, timeframes, enrollments, and other requirements apply. A minimum deposit of $100.00 is required to open the account, however there is no minimum balance required in the account. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.  Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver is a free, variable rate savings account with no minimum balance that rewards accountholders with interest when they meet minimum qualifications associated with their linked Kasasa Cash or Kasasa Cash Bank checking account during each Monthly Qualification Cycle.  Please see reward qualifications and information for attached checking accounts on the personal checking pages.  "Monthly Qualification Cycle" means a period beginning (1) one day prior to the first day of the current statement cycle through (1) one day prior to the close of the current statement cycle.  "Statement Cycle" means the period of time for which Three Rivers Bank of Montana provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account.  We may change the interest rate on your account at any time.  The interest rate that this account earns on the daily balance depends on the Kasasa Cash account that this account is linked to. If the account qualifications are met in the linked Kasasa Cash account during the Monthly Qualification Cycle, then the following rates apply to this account:

Tier 1: An interest rate of 2.78% will be paid on the portion of your daily balance that is $100,000.00 or less. The annual percentage yield for this tier is 2.82%. Tier 2: An interest rate of 0.23% will be paid on the portion of your daily balance that is more than $100,000.00. The annual percentage yield for this tier will be 0.23%. Based on an example where your total account balance is $200,000.00 for each day of the monthly qualification cycle and does not change, the blended annual percentage yield for that balance in both Tiers will be 1.52%. If the total balance of the account in this example varies during the statement cycle but does not exceed $200,000.00, the annual percentage yield will vary from 2.82% to 1.52%.  If the account qualifications are not met in the linked Kasasa Cash account during the Monthly Qualification Cycle, then the following rate applies to this account:  An interest rate of 0.01 % will be paid on the entire daily balance in this account, with an annual percentage yield of 0.01 %.  We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.