![]() Please note, all savings accounts are opened initially as individual accounts, which means the account owner is the sole owner until one of the above steps is taken to designate it otherwise. ![]() Please consult your legal counsel to determine if either of these approaches will meet your needs. Please see the Deposit Account Agreement for details. For out-of-network ATMs and bank tellers a 2.50 fee will apply, plus any additional fee that the owner or bank may charge. Customers may assign an existing trust as the primary beneficiary on any of our accounts. Fee-free ATM access applies to in-network ATMs only.
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