Advantage Plus Money Market Account is a variable, tiered rate consumer savings product and is subject to change after the account is opened and at any time. The minimum to open this account is $1,000. The minimum to earn interest is $0.01. There is no daily minimum balance requirement or monthly maintenance service charge.
 APY (Annual Percentage Yield) the APY may change after account opening at any time. 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 .05%. The annual percentage yield would range from .15% to 0.05%. To obtain the APYs quoted above, we require an active Advantage Plus Checking Account [See footnote 3] be open and maintained. The account owner must each statement cycle; transact 10 verified monthly POS debit card transactions, not including ATM withdrawals, and those transactions must post and settle to your Advantage Plus Checking Account during the month (i.e. statement cycle) OR transact at least one qualifying direct deposit transaction of at least $500, which must be initiated as an ACH (automated clearinghouse) credit transaction and must post to your Advantage Plus Checking Account during that month (i.e. statement cycle). Transfers you authorize us to make electronically between your Columbia accounts or transfers from your account with another bank that you ask us to initiate on your behalf using our Totalmatic transfer system are not qualifying direct deposits. Cycles where these requirements are not met, the lowest balance tier will apply, currently this APY is .05%. Fees may reduce earnings.
 Advantage Plus Checking Account is non-interest bearing. The minimum to open the account is $0.01. This account is only available to consumers (natural persons) for personal, family, or household purposes. It is not available for business purposes or to entities such as trusts, partnerships, LLCs, corporations, non-profits, etc. A daily minimum balance of $500.00 must be maintained in the account to avoid a monthly maintenance service charge of $9.00. If you transact 10 POS debit card transactions, not including ATM withdrawals and those transactions post and settle to your Advantage Plus Checking Account during the month (i.e. statement cycle), the daily minimum balance of $500.00 is not required and your account will not be assessed the monthly maintenance service charge of $9.00. Consumers 22 years of age and under are not subject to the daily minimum balance requirement. Commencing with the month you turn 23 years of age and thereafter the daily minimum balance must be $500.00 or greater for the entire month, otherwise, your account will be charged the monthly maintenance service charge.