Minimum deposit of $50 required to open account. See or speak with a branch service representative for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc., may apply. See fee schedule for details. For each referral resulting in an account being opened, a gift card will be received. Gift card recipients may be issued a 1099-INT or 1099-MISC. We reserve the right to substitute a gift of similar value.