This account provides an excellent opportunity to earn interest on your money. The rate is tiered and based on the average available balance. You may make no more than six preauthorized withdrawals, automatic, internet, or telephone transfers, checks, drafts, and debit card or similar transactions from your account per monthly cycle. However, in-bank, over-the-counter, in-person transactions are unlimited. An excess check charge of $5.00 per debit over the limit of six will be charged to your account.