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*Annual Percentage Yield. APY is variable and is effective as of 10/16/09 and may change at any time. There is no minimum deposit required to open the account. For the first 60 days from the date the account is opened, regardless of the account balance, the account will earn our highest APY, which is variable and is currently 1.51%. After the first 60 days, the APY for the account will have two tiers: (a) a higher APY for accounts with balances of $10,000 or more (variable and currently 1.51% APY); and (b) a lower APY for accounts with balances of less than $10,000 (variable and currently 0.15% APY).
**The standard insurance amount of $250,000 per depositor with Wilmington Trust FSB is in effect through December 31, 2013. For more information, visit https://www.fdic.gov/deposit/deposits/index.html.
***Applies only to transactions covered under the federal Electronic Fund Transfer Act, and requires that you notify us within 60 days of the unauthorized transaction and that you have exercised appropriate account safeguarding practices and have complied with your responsibilities as set forth in the WTDirect Account agreement and disclosures.