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* $10.00 minimum deposit to open. Other bank ATM surcharge fees that are charged to the account during current statement cycle will be refunded on the last business day of the current statement cycle. Not responsible for surcharges or fees imposed by banks, ATM operators and/or networks based outside of the continental United States, Alaska, Hawaii or U.S. Territories.  Accounts closed or changed to another product during statement cycle will not receive a refund of other banks' ATM surcharge fees.