Early Saver

This special account for children and under-21 youths offers interest to encourage saving early. UTMA titling is standard with Joint Minor titling available to working teens.

Interest No minimum balance required to earn interest.
The interest rate for this account is compounded monthly and calculated on the daily available balance: 0.03% APY*
No accrued interest will be paid at closing.
Special Benefits Free Park Bank OnLine and TeleBank
Free notary service
Debit card and ATM Access None
Transactions Limitations** There is a withdrawal fee of $2 for each withdrawal in excess of 3 per month.
UTMA - Transactions by the Custodian only
JOINT MINOR - Both Minor and Adult may transact
Maintenance Fees*** None

Personal Service Schedule

*The interest rate and Annual Percentage Yield (APY) stated above are accurate as of March 15, 2013. If you would like current rate and APY information please call us at (608) 278-2801. We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bear- ing account. The interest rate and APY may change at our discretion. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees or withdrawals may reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest.
**Limited to 6 withdrawals per month. Frequently exceeding the 6 withdrawal limit will require us to change type of account.
***Service schedule is incorporated by reference into this Truth in Savings disclosure.