Disclosures
Business High Yield Cash Account
Eligibility Requirements. You must be 18 years of age to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
Your interest rate and annual percentage yield may change.
Determination of Rate. At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.
Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. A Monthly Service Charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $5,000.00.
The Monthly Service Charge of $5.00, if applicable, will be reflected as Minimum Balance Fee on your periodic statement.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. Mobile Deposit Daily and Monthly Limits. We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the daily limit is $50,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Additional Information Regarding Your Account. Global Markets Portfolio Clients. Global Markets Portfolio clients will receive additional disclosures applicable to their Global Market Account.
Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
Business High-Yield CD
Eligibility Requirements. You must be 18 years of age to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
You will be paid this interest rate throughout the term of the CD.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. You must deposit $5,000.00 to open this account.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. You may not make deposits into your account until the maturity date.
This product is intended to be held to maturity. As required by federal regulations, we retain the right to require you to provide us with seven (7) days written notice before withdrawing funds if not held to maturity. In the event of early withdrawal, an early withdrawal penalty will apply (unless prohibited by law).
Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. If a deposit is allowed, presently the daily limit is $100,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $100,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Maturity Date. Please reference your CD Certificate provided to you during account opening. Log into your account to find the most accurate information regarding your CD.
Early Withdrawal Provisions. This product is intended to be held to maturity. In the event of Early Withdrawal, an Early Withdrawal Penalty will apply. The Early Withdrawal Penalty is 25% of the total interest that would have been earned on the principal balance of the CD if the funds had not been withdrawn early. As such, the penalty is calculated by taking the total interest to be paid, beginning with the opening date of the CD through the stated maturity date of the CD, times 25%. It is possible that you may receive fewer dollars on your Early Withdrawal than you originally deposited, due to the Early Withdrawal penalty. Depending on the term of the CD, the stated rate of interest and the date at which you request an early withdrawal, your Early Withdrawal Penalty may result in a loss of Principal. We may impose Early Withdrawal Penalties on a withdrawal from a time deposit (CD) account, even if you do not initiate the withdrawal. For instance, the Early Withdrawal Penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the Early Withdrawal penalty on the entire account balance in the event of a partial Early Withdrawal.
Renewal Policies. Your account will automatically renew at maturity. You will have a grace period of 10 business days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.
Once during the grace period, you may make a deposit or withdrawal, or change the term of the CD, and if you take one of these actions, the grace period ends on the day you take such action. The interest rate and APY for any renewal term will be the interest rate and APY we are offering as of the maturity date for a new CD of the same length of term.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
Custodial LLC Checking Account
Eligibility Requirements. You must be 18 years of age to open this account.
Minimum Balance Requirements. No minimum balance requirements apply to this account.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service. It is supplied as a courtesy to you.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Individual Retirement Account. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
ACCOUNT SPECIFIC FEES AND CHARGES
SET UP FEE. $150 One-time Setup Fee
MAINTENANCE FEE. A Monthly Maintenance Fee of $15 will be imposed every statement cycle.
High Yield Cash Account
Eligibility Requirements. You must be 18 years of age to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
Your interest rate and annual percentage yield may change.
Determination of Rate. At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.
Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. A Minimum Balance Fee of $5.00 will be imposed every month if the average daily balance for the month falls below $5,000.00.
Global Markets Portfolio Clients. The Minimum Balance Fee of $5.00, will be waived if you hold a Global Markets Cash Account.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the daily limit is $25,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $100,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
High Yield CD
Eligibility Requirements. You must be 18 years old to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
You will be paid this interest rate throughout the term of the CD.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. You must deposit $5,000.00 to open this account.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. You may not make deposits into your account until the maturity date.
This product is intended to be held to maturity. As required by federal regulations, we retain the right to require you to provide us with seven (7) days written notice before withdrawing funds if not held to maturity. In the event of early withdrawal, an early withdrawal penalty will apply (unless prohibited by law).
Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. If a deposit is allowed, presently the daily limit is $100,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $100,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Maturity Date. Please reference your CD Certificate provided to you during account opening. Log into your account to find the most accurate information regarding your CD.
Early Withdrawal Provisions. This product is intended to be held to maturity. In the event of Early Withdrawal, an Early Withdrawal Penalty will apply (unless prohibited by law). The Early Withdrawal Penalty is 25% of the total interest that would have been earned on the principal balance of the CD if the funds had not been withdrawn early. As such, the penalty is calculated by taking the total interest to be paid, beginning with the opening date of the CD through the stated maturity date of the CD, times 25%. It is possible that you may receive fewer dollars on your Early Withdrawal than you originally deposited, due to the Early Withdrawal penalty. Depending on the term of the CD, the stated rate of interest and the date at which you request an early withdrawal, your Early Withdrawal Penalty may result in a loss of Principal. We may impose Early Withdrawal Penalties on a withdrawal from a time deposit (CD) account, even if you do not initiate the withdrawal. For instance, the Early Withdrawal Penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the Early Withdrawal penalty on the entire account balance in the event of a partial Early Withdrawal.
Renewal Policies. Your account will automatically renew at maturity. You will have a grace period of 10 business days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.
Once during the grace period, you may make a deposit or withdrawal, or change the term of the CD, and if you take one of these actions, the grace period ends on the day you take such action. The interest rate and APY for any renewal term will be the interest rate and APY we are offering as of the maturity date for a new CD of the same length of term.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
High Yield IRA CD Account
Eligibility Requirements. You must be 18 years of age to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
You will be paid this interest rate through the term of the CD.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. You must deposit $5,000.00 to open this account.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. You may not make deposits into your account until the maturity date.
This product is intended to be held to maturity. As required by federal regulations, we retain the right to require you to provide us with seven (7) days written notice before withdrawing funds if not held to maturity. In the event of early withdrawal, an early withdrawal penalty will apply (unless prohibited by law).
Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. If a deposit is allowed, presently the daily limit is $100,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $100,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Individual Retirement Account. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.
Maturity Date. Please reference your CD Certificate provided to you during account opening. Log into your account to find the most accurate information regarding your CD.
Early Withdrawal Provisions. This product is intended to be held to maturity. In the event of Early Withdrawal, an Early Withdrawal Penalty will apply (unless prohibited by law). The Early Withdrawal Penalty is 25% of the total interest that would have been earned on the principal balance of the CD if the funds had not been withdrawn early. As such, the penalty is calculated by taking the total interest to be paid, beginning with the opening date of the CD through the stated maturity date of the CD, times 25%. It is possible that you may receive fewer dollars on your Early Withdrawal than you originally deposited, due to the Early Withdrawal penalty. Depending on the term of the CD, the stated rate of interest and the date at which you request an early withdrawal, your Early Withdrawal Penalty may result in a loss of Principal. We may impose Early Withdrawal Penalties on a withdrawal from a time deposit (CD) account, even if you do not initiate the withdrawal. For instance, the Early Withdrawal Penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal process. We may close your account and impose the Early Withdrawal penalty on the entire account balance in the event of a partial Early Withdrawal.
Renewal Policies. Your account will automatically renew at maturity. You will have a grace period of 10 business days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.
Once during the grace period, you may make a deposit or withdrawal, or change the term of the CD, and if you take one of these actions, the grace period ends on the day you take such action. The interest rate and APY for any renewal term will be the interest rate and APY we are offering as of the maturity date for a new CD of the same length of term.
Additional Information Regarding Your Account. You may revoke your IRA within 7 days after receiving this disclosure statement. (Note: This disclosure statement was delivered to you electronically at the end of your online account opening process).
To exercise your right to revoke, you must contact Battle Bank via email or telephone as listed below:
By Electronic Mail: [email protected]
By Telephone: 855.922.8853 (BATTLE)
Such notice must be received before the close of business on the 7th day after you completed your account opening process and received your IRA disclosure statement. If you revoke your IRA within the 7-day period, you will receive a refund of the entire amount of your contributions to the IRA without any adjustment for earnings or any administrative expenses. If you exercise this revocation, we are still required to report the contribution on Form 5498 (except transfers) and the revoked distribution on Form 1099-R. Because of your 7-day right to revoke, you may not invest your IRA funds before the close of business on the 7th calendar day after opening your account.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
IRA Money Market Account
Eligibility Requirements. You must be 18 years of age to open this account.
Rate Information. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. The current rate sheet can be found at https://www.battlebank.com.
Your interest rate and annual percentage yield may change.
Determination of Rate. At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes. We may change the interest rate on your account at any time.
Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.
Additional Rate Information. Please go to our website, BattleBank.com/rates where you can find our rate sheet for the most recent interest rate and annual percentage yield (APY) on this account.
Compounding and Crediting. Interest will be compounded daily and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements. A Monthly Service Charge of $5.00 will be imposed every month if the average daily balance for the month falls below $5,000.00.
The Monthly Service Charge of $5.00, if applicable, will be reflected as Minimum Balance Fee on your periodic statement.
Balance Computation Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual On Noncash Deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the daily limit is $100,000 either as an aggregate total for the day or as a single transaction per day. We may revise such limits from time to time in our sole discretion. The monthly limit is $100,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Individual Retirement Account. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.
Additional Information Regarding Your Account. You may revoke your IRA within 7 days after receiving this disclosure statement. (Note: This disclosure statement was delivered to you electronically at the end of your online account opening process).
To exercise your right to revoke, you must contact Battle Bank via email or telephone as listed below:
By Electronic Mail: [email protected]
By Telephone: 855.922.8853 (BATTLE)
Such notice must be received before the close of business on the 7th day after you completed your account opening process and received your IRA disclosure statement. If you revoke your IRA within the 7-day period, you will receive a refund of the entire amount of your contributions to the IRA without any adjustment for earnings or any administrative expenses. If you exercise this revocation, we are still required to report the contribution on Form 5498 (except transfers) and the revoked distribution on Form 1099-R. Because of your 7-day right to revoke, you may not invest your IRA funds before the close of business on the 7th calendar day after opening your account.
Global Markets Portfolio Clients. Global Markets Portfolio clients will receive additional disclosures applicable to their Global Market Account.
Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
IRA with Checkbook Control
Eligibility Requirements. You must be 18 years of age to open this account.
Minimum Balance Requirements. No minimum balance requirements apply to this account.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Individual Retirement Account. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.
Additional Information Regarding Your Account. You may revoke your IRA within 7 days after receiving this disclosure statement. (Note: This disclosure statement was delivered to you electronically at the end of your online account opening process).
To exercise your right to revoke, you must contact Battle Bank via email or telephone as listed below:
By Electronic Mail: [email protected]
By Telephone: 855.922.8853 (BATTLE)
Such notice must be received before the close of business on the 7th day after you completed your account opening process and received your IRA disclosure statement. If you revoke your IRA within the 7-day period, you will receive a refund of the entire amount of your contributions to the IRA without any adjustment for earnings or any administrative expenses. If you exercise this revocation, we are still required to report the contribution on Form 5498 (except transfers) and the revoked distribution on Form 1099-R. Because of your 7-day right to revoke, you may not invest your IRA funds before the close of business on the 7th calendar day after opening your account.
Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
Premium Custodial LLC Checking Account
Eligibility Requirements. You must be 18 years of age to open this account.
Minimum Balance Requirements. No minimum balance requirements apply to this account.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Individual Retirement Account. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.d
ACCOUNT SPECIFIC FEES AND CHARGES
SET UP FEE. $499 One-time Account and document Set-Up Fee
MAINTENANCE FEE. A monthly Maintenance Fee of $20 will be imposed every statement cycle.
Premium Solo 401K Checking
Eligibility Requirements. You must be 18 years of age to open this account.
Minimum Balance Requirements. No minimum balance requirements apply to this account.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
RETIREMENT ACCOUNT DISCLOSURE STATEMENT. 401K Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please reference your Solo 401K Plan Agreement or contact your tax advisor for additional information.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
ACCOUNT SPECIFIC FEES AND CHARGES
SET UP FEE. $299 One-time Document Setup Fee
MAINTENANCE FEE. A monthly Maintenance Fee of $15 will be imposed every statement cycle.
Retirement Plan LLC Checking Account
Eligibility Requirements. You must be 18 years of age to open this account.
Minimum Balance Requirements. A Minimum Balance Fee of $5.00 will be imposed every month if the average daily balance for the month falls below $5,000.00.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
Solo 401K Checking Account
Eligibility Requirements. Must be 18 years of age to open account.
Minimum Balance Requirements. A Monthly Service Charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $5,000.00.
The Monthly Service Charge of $5.00, if applicable, will be reflected as Minimum Balance Fee on your periodic statement.
What You Need to Know about Overdrafts and Overdraft Fees. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00. There is no fee for this service, it is supplied as a courtesy to you. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance.
Transaction Limitations. Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $50,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $250,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.
RETIREMENT ACCOUNT DISCLOSURE STATEMENT. 401K Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please reference your Solo 401K Plan Agreement or contact your tax advisor for additional information.
Additional Information Regarding Your Account. Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, there may be an overdraft on your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
EConsent
Consent to Electronic Document Delivery and Electronic Signatures
Last Modified: April 10, 2025
As part of opening an account, you are entitled by law to receive certain information “in writing.” Federal and state laws allow us to provide this information to you electronically instead, with your prior consent. We also need your consent to use electronic records and electronic signatures in connection with these documents. Please review the terms outlined below. In this consent, “we,” “us,” “our” and “Battle Bank” refer to Battle Bank, N.A. “You” and “your” refer to the person giving this consent.
1. You consent to use electronic records and electronic signatures. You consent that we may provide you, in electronic form, account opening disclosures, a Privacy Notice, and other notices and disclosures pertaining to the opening and maintaining of your account(s) through our online banking portal and our website, BattleBank.com. Additionally, you consent that we may provide to you notifications when new statements, notices and tax documents are available for you in online banking. We may also obtain and use your electronic signature.
2. Electronic contracts are binding. You hereby consent that your electronic signature on agreements and documents has the same legal and moral effect as if you signed such agreements and documents in ink and will be deemed valid, authentic, enforceable and binding. You understand and acknowledge that the federal Electronic Signatures in Global and National Commerce Act defines an “electronic signature” as an electronic sound, symbol or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to be bound by such contract or record. Based on this definition, you further consent that your electronic actions, or your participation in certain electronic processes that are logically associated with a contract or any fully disclosed terms and conditions in any other form, shall also have the same legal effect as if you signed such contract or agreed to such terms and conditions by providing your written signature in ink, and you agree that such actions/participation will be deemed a valid and binding contract to the extent such actions/participation indicates your intent to be legally bound.
4. Your consent covers your account opening disclosures and all related account servicing information. Your consent covers all of the documents, notices, disclosures, statements, tax documents and information that are part of, or related to, the opening and ongoing servicing of your account(s).
5. You must provide your consent. You understand that you must consent to receive these materials electronically to submit this application and you will not be able to withdraw your consent after it has been given. If you do not consent, you will have to apply for an account by calling a banker, and you understand we may not be able to accommodate your request.
6. You may change your consent. You may, at any time, change your preferred method for statement delivery by logging in to online banking and accessing “Documents,” then selecting “Paper Delivery Opt in/Out,” or by calling us at 855.922.8853 (BATTLE). Notwithstanding your change of consent for electronic communications, you understand that you cannot withdraw your consent to use an electronic signature.
7. You must maintain a valid email address. It is important for you to maintain a valid email address so that we may contact you regarding your account(s). You agree to maintain a valid email address and promptly notify us of any changes to your email address. You agree if we send an email message to you regarding any electronic communication or send any electronic communication to the email address you have provided us and such email message is returned as undeliverable, we will be deemed to have provided such electronic communication to you. You can update your email address after your account is opened by logging in to online banking and changing it in “Settings” then “My Profile.” If you fail to provide us with correct information and electronic notifications are returned undelivered, we are not liable for any legal liability or any other issues or liabilities that may arise. Further, if email communications are undelivered, you may receive a call from our Client Solutions Team to obtain a valid email address. We will not charge you for this phone contact, but your telephone service provider may.
8. You will need certain equipment. To complete the application process, you must have all of the following:
- Current version of Microsoft Edge, Firefox, Safari, Google Chrome, iOS or Android (preferred web browsers are Microsoft Edge or Google Chrome)
- Connection to the internet
- Active email account
- Current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader)
- A computer or mobile device such as a cell phone or tablet capable of supporting all of the above
- A printer if you wish to print out and retain records on paper, or electronic storage if you wish to retain records in electronic form
By providing your consent, you agree to use electronic records and signatures. You are also confirming that you are able to receive and review electronic records and that you have an active email account.
