*4.00% Annual Percentage Yield on balance up to $25,000. 1.00% APY on balances over $25,000. 0.25% APY if terms are not met plus ATM foreign fees will not be refunded. *Ten point-of-sale transactions required. $100 opening deposit. Interest paid on average daily collected balance. APY effective as of date of publication and is subject to change at bank discretion. Free standard VIVA checks. Te receive free bill pay, you must use it at least once a month. Some restrictions may apply.