6Interest earning accounts with high volume transactions could be subject to commercial analysis service charge. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. 7Withdrawal limitations are governed by Federal regulations and if exceeded could result in your account being classified as a transactional checking account. 8The Occasional Overdraft Privilege Service (OOPS) does not constitute an actual or implied agreement between you and City Bank. This service represents a purely discretionary courtesy or privilege that City Bank may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. NSF charge of $29.50 per item paid or returned applies. Overdrafts must be paid within 30 days. LIMITATIONS: Savings Type Accounts, Money Market Accounts, Public Fund / Charitable Organization Accounts and Minor Accounts are not eligible. We may limit the number of accounts eligible for OOPS to one account per household and/or one account per tax payer identification number. OOPS is always subject to approval and some restrictions do apply. Full details can be found in the Occasional Overdraft Privilege Service Description. 9This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum. Interest begins to accrue no later than the business day the bank receives credit for your deposit. 10Variable interest rates are subject to change without notice. APY = Annual Percentage Yield. 11All fees subject to sales tax in New Mexico.