**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 any time. 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; currently this APY is .10%.  For the portion over $249,999 to $1,000,000; the APY will range from 1.10% to .35%. 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 your 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. $100 will be deposited into your account within 60 days after you conducted your first qualifying direct deposit transaction. $100 will be deposited within 60 days after your first online banking bill payment transaction.