Rates and Fees

We work to keep our service fees low and our yields competitive. The numbers you need to know are all here. Take a look, and discover the benefits of banking with us

• OVERVIEW


• BANK YIELDS


• ADDITIONAL SERVICE FEES


• MAX-RATE CHECKING


• BANK RATES SHEET

Bank Yields	Max-Rate Checking	E*TRADE Checking
Annual percentage yield (APY)1	0.05% ($50,000+) 0.05% ($5,000—$49,999) 0.01% ($0—$4,999)	0%—E*TRADE Checking is a non-interest bearing account
Minimum monthly balance	An average monthly balance of $5,000 is required to avoid a fee. Please see the monthly fees section below to learn how to waive this fee.	No account minimums are required to maintain this account
Monthly fees	$15 if your minimum account balance is not met You can avoid the monthly fee by: Maintaining a minimum average balance of $5,000 in your Max-Rate Checking Account Setting up and maintaining a direct deposit of $200 or more per month (a combination of direct deposits totaling $200 does not satisfy this requirement) Maintaining a combined balance of $50,000 or more in linked E*TRADE Securities, E*TRADE Bank, and employee stock plan accounts (including vested in-the-money options, stock option plan shares, Employee Stock Plan Participants shares, and released restricted stock) Executing at least 30 stock or options trades during a calendar quarter in a linked E*TRADE Securities account	No monthly account fees
Minimum opening deposit	$100	$100
FDIC Insurance	At least $250,000	At least $250,000

1. As of 9/21/2017. Rates are subject to change daily and fees may reduce earnings.

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PLEASE READ THE IMPORTANT DISCLOSURES BELOW.

Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. Investment advisory services are offered through E*TRADE Capital Management, LLC, a Registered Investment Adviser. Banking products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC, E*TRADE Capital Management, LLC and E*TRADE Bank are separate but affiliated companies.

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.

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