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Compare Interest-Bearing Accounts

Feature Savings 1 MoneyMarket 1 Time Deposit Business Essential Interest Checking Analyzed Business Interest Checking
General Description Earn interest on deposits at the bank's rate Earn interest on deposits at the bank's rate Guaranteed rate of return Earn interest on checking account balances at the bank's rate Analyzed account that first applies earnings credit to balances to pay for services and then applies interest to balances in excess of those required to pay for services
Term Deposit or withdraw funds at your convenience; limited withdrawals or transfers per month Deposit or withdraw funds at your convenience; limited withdrawals or transfers per month Custom Time Deposit:
32 days to 60 months

Fixed Maturity:
7 days to 60 months

Payment Bond:
7 days to 60 months
Deposit or withdraw funds at your convenience Deposit or withdraw funds at your convenience
Interest rate Tiered, based on daily balances; subject to market conditions Tiered, based on daily balances; subject to market conditions Tiered, depends on maturity date and investment level Tiered, based on daily balances; subject to market conditions Tiered, subject to market conditions
Interest payment Compounded daily; paid quarterly Compounded monthly; paid monthly Varies, depending on type and terms Compounded daily; paid monthly Compounded monthly; paid monthly

(1) Federal regulations limit certain types of withdrawals or transfers from your savings or money market account (including Deposit Overdraft Protection transfers) to a maximum of 6 per month or statement cycle. Union Bank will assess a $15 fee for each excess transfer paid against the account. If you exceed the transfer limits more than occasionally, we are required to convert your account to one not subject to transfer limitations or close your account. If closed due to excessive activity, you will not be able to open another Union Bank savings or money market account for 12 months.