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minimum balance to open account and obtain Annual Percentage Yield
(APY.) Maximum deposit is $99,999.99. Penalty for early withdrawal. APY
effective as of October 27, 2014. Subject to change without notice. Not
eligible for IRAs or public funds. True Advantage Plus customers not
eligible for any additional interest rate bumps. Requires a new or
active Tompkins VIST Bank personal checking account.