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1 You are limited to six (6) preauthorized transfers, which include telephone transfers, online banking transfers, checks, drafts, debit card transactions, or similar orders made to third parties, per statement cycle. There is an excessive withdrawal fee for over six (6) transfers of $10 per item which will be deducted from your account at the end of each statement cycle. Interest is compounded and paid monthly on the daily balance. Accounts closed during a statement cycle will not earn accrued interest for that period. Interest begins to accrue on the business day you make deposits. Fees may reduce earnings. See account disclosure for terms and conditions.