¹ There is no minimum if you are opening a California Uniform Transfer to Minors Act (CUTMA) account.

² The monthly maintenance fee is waived for the first two account cycles after opening the account.

³ You must designate the deposit accounts or certificate of deposit accounts you want us to link to your account for combined balance waivers. For each designated linked account, the period of time that we use as the basis for calculating the balance, and the day that we use to determine the balance may be different from the monthly account cycle of the benefiting account. The combined balances will be calculated three days before the monthly account cycle date of your account to determine eligibility for maintenance fee waiver.