11. Trademarks – Apple Pay ® , Samsung Pay™, and Google Pay ® Trademarks used are the property of their registered owner and Zions Bancorporation, N.A. is neither affiliated with nor endorses these companies or their products/services. Visa ® is the registered trademark of Visa International Service Association and California Bank & Trust does not claim any ownership or exclusive rights to the use of this trademark. 12. ATM Charges – An ATM charge may apply to withdrawals conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Other bank or ATM operator fees may also apply any transaction conducted at an ATM not owned by Zions Bancorporation, N.A. Please see the applicable schedule of fees for additional ATM fee details. Select California Bank & Trust Checking accounts include waivers of California Bank & Trust ATM fees and/or rebates of charges from the non-Zions Bancorporation, N.A. ATMs. International ATM transactions are not waived or rebated. 13. Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a branch for details. 14. Certificates of Deposit Interest – Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. 15. Fixed Interest Rate on Certificates of Deposit – Your disclosed interest rate will not change until the CD renews at first maturity. Your CD will renew automatically at maturity for a similar period unless we send you notice of nonrenewal. We will send a notice before maturity to provide you with an opportunity to prevent renewal during the grace period. 16. IRA Withdrawals and Fees – IRA account must be single owner. Annual contribution limits may apply. Please consult your tax professional for information regarding tax deductibility, required distributions, and before making withdrawals. Withdrawals made from an IRA product before age 59 1/2 may be subject to Federal taxes and penalties. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 17. Age-based Waiver – Anytime Checking and Young Savers discounts/waivers are open only to customers age 18-25. At age 26, the discount/waiver will automatically expire. Checking accounts are not available for ages 17 and under. Please refer to your Account Disclosure document(s) for complete information. 18. Overdraft Protection Services: Optional overdraft protection services are available; subject to application and credit approval. Overdraft fees and applicable transfer fees may apply. See the Deposit Account Agreement and the applicable schedule of fees for details. These optional services help you prevent overdraft transactions.
For additional applicable disclosures, please refer to pages 15 – 17 17
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