The Rewards High Yield Checking account is a tiered rate account. If you meet the minimum qualification requirements for your Rewards High Yield Checking account during the monthly qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to daily balances of $10,000.99 and below. The second dividend rate and annual percentage yield listed for this account will apply to daily balances of $10,001.00 or greater. Each dividend rate will apply only to that portion of the daily balance within each balance range. In addition, we will refund up to $10.00 in ATM fees assessed at nationwide ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Rewards High Yield account, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your High Yield account and ATM fees will not be refunded to you. account and ATM fees will not be refunded to you.