**APY=Annual Percentage Yield. The APY's are accurate as of publication date and may change after account is opened.  This account is a variable rate account and subject to change at anytime.  To obtain the APY's quoted above we require a qualifying direct deposit or an online bill payment transaction to post to your account each statement cycle.  Cycles where these requirements are not met, the lowest balance tier will apply; current;y this APY is .10%.  For the portion of over $249,999 to $1,000,000; the APY will range from 1.01% to .33%.  Fees may reduce earnings. *No Columbia Bank ATM fees when you use nationwide ATM's.  Refund of nationwide ATM surcharges charged by other ATM owners limited to six per statement cycle or $20, whichever is less.  Standard text and data rates may apply from you phone provider with mobile banking.  This offer applies to new consumer accounts only.  To earn the cash, the activity must occur within 60 days after account opening.  $50 will be deposited into your account within 60 days after you conducted your first qualifying direct deposit transaction.  $50 will be deposited within 60 days after your first online banking bill payment transaction.