*Annual Percentage Yield (APY) is accurate as of 01/04/2024. No minimum deposit required to open account.  The maximum opening account balance is $100,000 and additional deposits can be made after account opening.  No minimum balance required to obtain APY.  Interest begins to accrue on your account no later than the business day we receive credit for the deposit of noncash items.  Interest will be compounded monthly and credited monthly.  The interest rate paid on this account is established by Kirkpatrick Bank and may change at any time.  SavingsSquare.com offered by Kirkpatrick Bank.  Member FDIC.  Deposits are insured to the maximum permitted by law.**Consumers who open a new account with or increase their existing Savings Square balance to a minimum of $250,000 and retain that balance with us for a minimum of 6 months will earn a $500 bonus. After you have completed this requirement, we will deposit the $500 bonus in your account within ten business days. Offer is limited to one bonus per account for the duration of the promotion. The promotional period to open a new account with a qualifying balance or to increase an existing account to the qualifying balance ends on 3/31/2024 and all accounts must have a minimum balance of $250,000 by 3/31/2024 to be eligible for bonus offer. To receive this bonus, the enrolled account must not be closed or restricted at the time of bonus payment. Eligibility may be limited based on account ownership. Information is accurate as of 1/10/24 and may change without notice.  All customers receiving the $500 bonus will receive a 1099 for that amount.