1. Account Fee Schedule
| Fee Type | Personal | Business |
|---|---|---|
| Monthly Maintenance | $0 | $15 / waived with $5K balance |
| ATM (In-Network) | Free | Free |
| ATM (Out-of-Network) | $2.50 | $2.50 |
| Domestic Wire (Outgoing) | $15 | $15 |
| International Wire (Outgoing) | $30 | $30 |
| Overdraft Fee | $0 (declined) | $0 (declined) |
| Replacement Debit Card | $5 | $5 |
| Expedited Card Delivery | $15 | $15 |
| Paper Statement | $3 / month | $3 / month |
2. Interest Rate Disclosures
Annual Percentage Yields (APY) are accurate as of June 1, 2026 and may change at any time without notice.
| Product | APY | Minimum Balance |
|---|---|---|
| High-Yield Savings | 4.50% | $0 |
| Money Market | 4.25% | $1,000 |
| 12-Month CD | 4.75% | $500 |
| Personal Checking | 0.05% | $0 |
3. Electronic Fund Transfer Disclosure (Regulation E)
Under Regulation E, you have the right to dispute unauthorized electronic fund transfers. You must notify us within 60 days of the statement on which the unauthorized transfer first appears. We will investigate and resolve your claim within 10 business days (20 business days for new accounts). If we need more time, provisional credit may be issued while the investigation continues.
4. Truth in Savings (Regulation DD)
Interest on savings and CD accounts is compounded daily and credited monthly. The APY assumes interest remains on deposit for one year. Fees could reduce earnings. Early withdrawal penalties apply to CD accounts: the lesser of all interest earned or 90 days' interest for terms of 12 months or less.
5. FDIC Coverage
Deposits at Swift Reserve Bank's partner bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per ownership category. For joint accounts, each co-owner is insured up to $250,000. For more information visit fdic.gov.
6. Equal Housing Lender
Swift Reserve Bank is an Equal Housing Lender. We comply with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other protected class.
7. Regulatory Compliance
Swift Reserve Bank, N.A. is a nationally chartered financial institution regulated by the Office of the Comptroller of the Currency (OCC). We comply with all applicable federal and state banking regulations, including the Bank Secrecy Act, the USA PATRIOT Act, and all Consumer Financial Protection Bureau (CFPB) guidelines. For questions about our regulatory compliance, contact us at compliance@swiftreservebank.com.