Business Rates

Savings Accounts

Anticipated Dividends
January 1 - March 31, 2023

• _{Dividends compounded and paid quarterly.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.}

Checking Accounts

Anticipated Dividends
January 1 - 31, 2023

• _{A minimum balance of $100 is required to open a business checking.}
• _{Dividends are compounded and paid monthly.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day if the balance is above the required minimum stated above. Dividends will begin to accrue on the business day your deposits are posted to your account.}

Money Market Accounts

Anticipated Dividends
January 1 - 31, 2023

• _{A minimum deposit of $500 is required to open a money market. Balances earn the dividend rate within the disclosed tier. Dividends will be compounded and paid monthly.}
• _{Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day your deposits are posted to your account.}
• _{Minimum withdrawal is $500 with three (3) free withdrawals per month without incurring a fee.}

Certificate Accounts

Anticipated Dividends
January 27 - 31, 2023

• _{A minimum balance of $500 is required to open a certificate and obtain the stated APY.}
• _{The APY is quoted for three- and six-month certificates in those categories and dividends are paid at maturity. Other certificate dividends are paid monthly to another account or compounded and credited quarterly.}
• _{Dividends will begin to accrue on the business day your deposit is posted to your account. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.}
• _{Early withdrawal penalties may apply. See Certificate Account disclosure for complete details.}

_{1. The APY is quoted for 18 months and dividends are paid at maturity. Rates are subject to change without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Early withdrawal penalties may apply. At maturity, the certificate will close and be transferred to an existing deposit account of your choosing, certificates excluded. See Promotional Certificate Account Disclosure for complete details.}

_{* APY is the Annual Percentage Yield and assumes dividends remain in the account. This document is a supplement to account disclosures. Rates are subject to change without notice. Fees or other conditions may also reduce earnings. Refer to the Business Service Fee schedule for current fee information. Contact a Hiway Business Services Representative at 651.291.1515 or 800.899.5626 for further information about applicable fees and terms.}

Visa^® Business Cards

_{* APY is the Annual Percentage Rate and DPR is the Daily Periodic Rate. Rates are effective 1/20/2023 and are subject to change without notice.}

Business Service Fee Schedule

Effective 11/18/2022 and subject to change without notice.

_{*Items include: checks deposited and on-us items.
†Qualifications apply.}

_{*Items include: checks deposited and on-us items.
†Qualifications apply.}

_{*Items include: checks deposited and on-us items.
†Qualifications apply.}

_{†Qualifications apply.}

_{*Items include: checks deposited and on-us items.}

<sub>** Single Service accounts have a Business Share Savings only. Check Cashing Fees are waived if balance on a Single Service Account is above $500.
1. Standard data rates may apply.
5. By appointment at the St. Paul Branch for Hiway members only. There is a $50 service fee for Hiway members, this is waived for Investment Services clients. Call Investment Services at 651.265.6100 for appointments.</sub>