Savings / CDs / IRAs Comparison Chart

Additional Information

Fees that may apply
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Monthly Card Fee (ATM or Debit card)	$1.00 per month, per account (Does not apply to the Gulf Advantage Checking or VIP High Yield Checking or the Gulf Rewards Checking)
Replacement or Lost ATM / Debit Cards	$5.00 each
Change PIN (Personal Identification Number) (ATM or Debit card)	No fee

Transaction Fees -- ATM or Debit Cards

Balance Inquiries / Withdrawals

Withdrawal at any of our ATM locations (ATM or Debit card)	No Fee
Balance inquiries at any of our ATM locations (ATM or Debit card)	No Fee
Withdrawal or Balance Inquiry at ATM locations we do not own or operate (ATM or Debit card)	$2.00 each
Non-customers using TGB ATM machines for withdrawals or balance inquiries	$3.00 each
Dollar limitations (ATM card) (Saturday, Sunday, & Monday are treated as one processing day. Cash withdrawals and point-of-sale transactions from all accounts per accountholder are combined for one $1,000.00 limitation.)	$1,000.00 per processing day
Dollar limitations (Debit card) (Saturday, Sunday, & Monday are treated as one processing day. Cash withdrawals from ATMs $1,000.00 and point-of-sale $2,000.00. Transactions from all accounts per accountholder are combined for the $3,000.00 limitation.)	$3,000.00 per processing day

Overdrafts/Non-Sufficient Funds
The categories of transactions for which an overdraft fee or NSF fee may be imposed are those by any of the following means: check, in-person withdrawal or transfer, or by electronic means, excluding ATM or one-time debit card transactions.

Overdraft Paid Item Fee	$30.00 each
Non-Sufficient Funds (NSF) Return Item Fee	$30.00 each
Maximum Overdraft Paid Item / NSF Return Item Fees (per day)	$120.00 (Daily fee limit is combined for both categories)
Courtesy Threshold	We do not charge an Overdraft Paid Item Fee or NSF Return Item Fee for de minimis transaction amounts ($5.00 or less)

Bookeeping and Other Fees

Check printing	fee depends on style and quantity of check ordered
Temporary Checks (limit 12)	$0.50 each
Cashier's Checks - Customer	$3.00 each
Money Orders - Customer	$2.00 each
Garnishments, Subpoenas, Levies	$25.00 each, plus attorney fees
Lost coupon book	$10.00 each
Amortization schedule	$10.00 each
Lock bags (night depository)	$20.00 each
Strapped currency	$0.35 per strap
Rolled coin	$0.25 per roll
Deposit corrections	$2.00 each
Safe Deposit Box Rental	price varies by size and location
Box Drilling	$50.00 each plus vendor's charge
Key Deposit	$25.00 per box
Account Activity Printout	$3.00 each
Special Statement Cutoff	$5.00 each
Account Research	$30.00 per hour; minimum 1/2 hour
Account Reconcilement	$30.00 per hour; minimum 1/2 hour
Account Requiring Multiple or Conditional Signatures	$25.00 per month, per account
Balance inquiry (no charge for Q-Line Automated Phone Banking)	$2.00 each
Activity inquiry (no charge for Q-Line Automated Phone Banking)	$3.00 each
Telephone Transfer (no charge for Q-Line Automated Telephone Banking)	$5.00 each
Outgoing Bank to Bank Transfers	$3.00 each
Stop payments (all items)	$30.00 each
Non-Time Account closed within 30 days of opening	$15.00 each

Zipper Bags

Small	$7.00 each
Large	$10.00 each
Lock Bags (Night Depository)	$38.00

Domestic Wire Transfers

Customer - incoming	$10.00 each
Customer - outgoing	$25.00 each

Foreign Wire Transfers

Customer - incoming	$10.00 each
Customer - outgoing	$45.00

Collections

Customer - incoming	$10.00 each
Customer - outgoing	$12.00 each

Dealer Drafts

Incoming and Outgoing

$10.00 each

Photocopies

Customer	$0.25 each page
Non Customer	$0.50 each page

Personal Savings - Additional Information

Your interest rate and annual percentage yield may change, and we may change the interest rate on your account at any time at our discretion. Interest will be compounded every quarter. Interest will be credited to your account every quarter. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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

We prohibit transfers to third parties by check, POS (Point of Sale) or TGB online; this also includes TGB Debit Card Payments made via Mobile Pay Apps/Mobile Wallets. A $5.00 Debit Fee will be charged each debit in excess of 5 per month. (Note: fee not applicable to electronic payments, TGB Online Banking/Q-Line transfers between your TGB accounts, or ATM withdrawals.) No other transaction limitations apply to this account.

Gulf Rewards Savings - Additional Information

Your interest rate and annual percentage yield may change, and we may change the interest rate on your account at any time at our discretion. Interest will be compounded every month. Interest will be credited to your account every month. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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

We prohibit transfers to third parties by check, POS (Point of Sale) or TGB online; this also includes TGB Debit Card Payments made via Mobile Pay Apps/Mobile Wallets. No other transaction limitations apply to this account.

Certificate of Deposit - Additional Information

Interest is compounded and credited to your account monthly.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

You may not make any deposits into your account before maturity.

You may not make withdrawals of principal from your account before maturity.

A penalty may be imposed for withdrawals before maturity.

• If your account has an original maturity of 31 days or less, the fee we may impose will equal seven days' interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of 32 days through one year, the fee we may impose will equal one months' interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of greater than one year, but less than 48 months, the fee we may impose will equal six months' interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of 48 months or more, the fee we may impose will equal twelve months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or legal adjudication of incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

You can withdraw interest accrued in the term before maturity of that term without penalty. You can withdraw interest any time after accruing during the current term.

An automatically renewable time account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.

A non-automatically renewable time account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after final maturity.

Individual Retirement Accounts - Additional Information

For All IRAs: Interest will be compounded and credited to your account every quarter.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

An automatically renewable time account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have 10 calendar days after maturity to withdraw the funds without a penalty.

A Non-Automatically renewable time account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

Variable Rate: Your interest rate and annual percentage yield may change and we may change the interest rate on your account at any time at our discretion.

You may make unlimited deposits into your account. Additions permitted in a minimum amount of $50.00.

A penalty may be imposed for withdrawals before maturity.

• Your account has an original maturity of 18 months; the fee we may impose will equal six months' interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or legal adjudication of  incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

Fixed Rate:
Your interest rate and annual percentage yield will remain the same until maturity. You may not make any deposits into your account before maturity.

A penalty may be imposed for withdrawals before maturity.

• If your account has an original maturity of one year, the fee we may impose will equal one months' interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year, but less than 48 months, the fee we may impose will equal six months' interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of 48 months or more, the fee we may impose will equal 12 months' interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or legal adjudication of incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

IRA withdrawals - Additional Information

For All IRAs: You may not make withdrawals of principal from your account before maturity unless you pay a penalty for early withdrawal or unless a waiver of the penalty for early withdrawal from an IRA or other tax-qualified plan applies. You can withdraw interest accrued in the term before it has been compounded and added back to the principal. Otherwise, you must pay a penalty for early withdrawal (unless a waiver of the penalty for early withdrawal from an IRA or other tax-qualified plan applies). In addition to any Early Withdrawal Penalty that may be imposed by the Bank, a separate IRS penalty may be imposed for withdrawals prior to age 59 1/2.

Health Savings Account - Additional Information

Your interest rate and annual percentage yield may change, and we may change the interest rate on your account at any time at our discretion. Interest will be compounded every month. Interest will be credited to your account every month. Tiered rates apply ($1,000.00 and $5,000.00 minimum balance requirements); minimum daily balance of $1,000.00 or $5,000.00 is required to earn the disclosed annual percentage yield for the applicable tier.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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

Note: The IRS has specific eligibility rules concerning opening and maintaining an HSA account, as well as what constitutes a qualified medical expense that is allowed to be paid from the account without being subject to federal income tax and incurring a substantial IRS penalty on the funds. Consult your tax advisor for advice on how the IRS rules and limitations affect you, based on your particular circumstances and health insurance plan.