Twin City Bank account fees and interest
Twin City Bank (“Bank”) attests that the information in this disclosure is accurate as of 2026-07-16.

Account description
Your “Increase Deposit Account” is a transaction demand deposit account provided by the Bank that you opened and may access and control solely through Increase’s website and online banking platform.
Minimum balance
There is no required minimum balance to open or earn interest on your Increase Deposit Account.
Rate information
The interest rate on your Increase Deposit Account is currently based on the Effective Federal Funds Rate (“EFFR”) (as made available at the Federal Reserve Bank of New York webpage) minus a margin of 100 basis points (1.00%). The interest rate is currently 2.63% with an annual percentage yield of 2.66%. Your interest rate and annual percentage yield may change. Rates are effective as of 2026-07-16. The interest rate for your Increase Deposit Account will never be less than 0%. The annual percentage yield is based on no withdrawal of credited interest and no change in the interest for a full year. The Bank may change the interest rate on your Increase Deposit Account at any time.
Note: This disclosure is only for Increase Deposit Accounts. Custodial Bank Accounts and bank accounts opened through another platform do not accrue interest.
Interest compounding
Interest will be compounded monthly. Interest will be credited to your account on the first day of each month for the month prior. If you close your account before interest is credited, you will not receive the accrued interest. The Bank uses the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the end of day balance in the account each day. Interest will begin to accrue no later than the business day we receive provisional credit for the deposit of noncash items (for example, checks) into your Increase Deposit Account.
Fee information
Bank does not charge overdraft or any other fees for your Increase Deposit Account. However, Increase Technologies, Inc. charges technology fees for its services related to your bank account.

Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, Member FDIC. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through Grasshopper Bank, N.A., Member FDIC; First Internet Bank of Indiana, Member FDIC; Twin City Bank, Member FDIC; and Core Bank, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.