While the bank charges no monthly maintenance or ATM fees, you’ll pay $25 to send wires, $15 to replace your card and up to $4.95 each time you deposit cash instore. The high APY comes with a few caveats, such as spending $300 or more per statement cycle - but ATM transactions and point-of-sale refunds are excluded. So, for example, if you have $20,000 in your account, you’ll get 0.01% for the last $5,000. You’ll earn 0.01% on the part of your balance that exceeds $15,000.99.
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