In order to qualify for a one-time Yield Plus Balance Build Offer cash credit you must deposit a minimum total deposit of $50,000 of “new money” into your Yield Plus Checking account. (“New money” is defined as deposits not previously held by Columbia Bank.) We will allow fifteen (15) calendar days to complete the “new money” deposit funding process. After the deposit funding process period expires, the deposit(s) must be maintained in your Yield Plus Checking account for an additional six (6) month period. This is referred to as the balance seasoning period. Once the six (6) month balance seasoning period expires, Columbia Bank will verify that the qualifications of the Yield Plus Balance Build Offer were met and deposit the applicable cash credit into your Yield Plus Checking account within thirty (30) calendar days. Qualifying accounts will receive a cash credit of $500 for “new money deposits” totaling $50,000 and up to $99,999.99. Qualifying accounts will receive a cash credit of $1,000 for “new money deposits” totaling $100,000 and above. The Yield Plus Balance Build Offer is limited to one per person and one per account. The maximum Yield Plus Balance Build Offer cash credit is $1,000. You are not eligible for additional Yield Plus Balance Build Offers even if you open additional accounts and/or make additional “new money” deposits. This is a limited-time offer and may be discontinued at any time. To receive the aforementioned Yield Plus Checking Balance Build Offer, the Yield Plus Checking account must still be open at the time we are ready to credit the funds. Yield Plus Checking Balance Build Offer cash credit will be reported as interest to the IRS on form 1099-INT.
 Yield Plus is a variable tiered rate consumer checking product and is subject to change after account is opened and at any time. Annual Percentage Yield (APY). Currently, for balances between $.01-$999.99 the APY is .05%, for balances between $1,000 - $9,999.99 - the APY is .10%, for balances between $10,000 - $249,999.99 the APY is 2.10%, for balances between $250,000 - $499,999.99 the APY is 2.10%, if your daily balance is $500,000.00 or more, the interest rate paid on the portion of your balance that equals or exceeds $500,000.00 is currently .10%. The annual percentage yield would range from 2.00%-1.05% with an assumed total balance of $1 million. To obtain the APYs 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 .05%. Fees may reduce earnings. Minimum balance to open this account is $0.01. If your daily balance is less than .01, no interest will be paid for that day. A daily minimum balance of $1,000.00 must be maintained each day of the statement cycle to avoid a monthly Maintenance Service Charge of $20.00. For additional terms, fees and conditions please refer to our account disclosures. Rates effective as of 9/1/23.
 Yield Plus Checking provides for a rebate of up to six (6) ATM surcharge fees or $20, whichever is less, for each statement cycle when you use your Columbia Bank Visa Debit Card at domestic ATMs not owned or operated by us and the owners of such ATMs add a surcharge to your transaction. The refund of such surcharge fees will appear on your statement as a “credit.” The maximum rebate per 12 month cycle period is $240.
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