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^* APY means Annual Percentage Yield. Rates effective as of December 23, 2022.  APY is subject to change without notice. Rate is fixed for the term at funding.

¹ Fees may apply for non-Amalgamated, non-Allpoint and international ATM transactions.

² Allpoint+^® ATMs may not be available in all states.
³ This account can only be opened online. It cannot be opened at an Amalgamated Bank branch. The minimum deposit to open an Online Checking account is $100.

⁴ Mastercard and the Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.

⁵ The two (2) non-Amalgamated Bank/non-Allpoint domestic ATM surcharges will be debited from your account at the time of the transaction and credited to your account on the same business day that the transaction is posted to your account.

⁶ No ATM card available with this account.

⁷ Your mobile carrier's message and data rates may apply.

⁸ Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. 

⁹ Maximum opening deposit online is $100,000. Maximum opening deposit in-branch is $250,000.

¹⁰At the Bank’s option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty.

¹¹ Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance.

¹² The Federal Deposit Insurance Corporation (FDIC) grants deposit insurance of $250,000 per account title. You may also qualify for more than $250,000 in FDIC coverage at Amalgamated Bank if you have single accounts, joint accounts, Individual Retirement Accounts and trust accounts.

¹³ $100 minimum deposit is required to open with a maximum online deposit of $100,000. You may visit an Amalgamated Bank branch to make additional deposits.

¹⁴ When you open a Give-Back Checking account, you will designate the Participating Organization to which you want the Bank to contribute. In addition to the interest paid to you, the Bank will make a contribution to that Participating Organization following the end of each month. The amount of the contribution will be equal to one-half of the total interest paid to your Give-Back Checking account during that month. This contribution is paid directly to the Participating Organization by the Bank, at no cost to you, and is not part of the APY for your account. As the Give-Back contribution is made by the Bank, there may be no tax implications to you. Consult your tax advisor to fully understand the tax implications for you. There is no substitute for this contribution, and you cannot opt to receive it directly. If you close your Give-Back Checking account, the Participating Organization will no longer receive a contribution based on your balance. If the Bank terminates its agreement with the Participating Organization, we will no longer make a contribution to that Participating Organization based on your balance. You may not designate a different Participating Organization, nor stop Bank contributions to the current Participating Organization, unless you close your Give-Back Checking account and open a new account.

¹⁵ When you open a Give-Back Savings account, you will designate the Participating Organization to which you want the Bank to contribute. In addition to the interest paid to you, the Bank will make a contribution to that Participating Organization following the end of each month. The amount of the contribution will be equal to one-half of the total interest paid to your Give-Back Savings account during that month. This contribution is paid directly to the Participating Organization by the Bank, at no cost to you, and is not part of the APY for your account. As the Give-Back contribution is made by the Bank, there may be no tax implications to you. Consult your tax advisor to fully understand the tax implications for you. There is no substitute for this contribution, and you cannot opt to receive it directly. If you close your Give-Back Savings account, the Participating Organization will no longer receive a contribution based on your balance. If the Bank terminates its agreement with the Participating Organization, we will no longer make a contribution to that Participating Organization based on your balance. You may not designate a different Participating Organization, nor stop Bank contributions to the current Participating Organization, unless you close your Give-Back Savings account and open a new account.