Legal

Stackin’ Cash Account Disclosures

RATE STRUCTURE

    • Account Type
      Account Type
    • Minimum Balance to Open
      Minimum Balance to Open
    • Minimum Balance to Earn APY
      Minimum Balance to Earn APY
    • Interest Rate
      Interest Rate
    • APY1
      APY1
    • Monthly Fees
      Monthly Fees
    • Account Type
      Stackin’ Cash Account
    • Minimum Balance to Open
      $100 or complete 4 automatic transfers of at least $25
    • Minimum Balance to Earn APY
      $0.01
    • Interest Rate
      1.00%
    • APY1
      1.00%
    • Monthly Fees
      $0

STACKIN’ CASH ACCOUNT BONUS

Upon the following qualifications, Radius Bank will credit the client’s Stackin’ Cash Account with $25 when:

  • Client completes four (4) auto-transfers from the Stackin’ platform of a minimum of $25 each 

Account Bonus will be applied to the client’s Stackin’ Cash Account upon the clearance of the final fourth auto-transfer within 30 days of qualification. This bonus is limited to one $25 credit per client.

TRUTH-IN-SAVINGS DISCLOSURE

STACKIN’ CASH ACCOUNT

You must enroll in Online Banking, receive eStatements and receive a Debit Card in order to qualify for this account. Your account will convert to a Free Checking account if you do not elect to receive these services within two (2) months after the account is opened or if you opt out of these services anytime after the account has been opened.

Rate Information – Your interest rate and annual percentage yield may change.

Frequency of rate changes – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account – You must deposit $100.00 or schedule 4 automatic transfers of $25.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed– You must maintain a minimum average daily balance of $10.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Please refer to our separate fee schedule for additional information about charges.

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means