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Updated:
August 2026
This disclosure constitutes your Truth In Savings Disclosure for your Secure Inc, a subsidiary of Santander Bank, N.A., member FDIC (“SecureSave”) Emergency Savings Account and contains the terms and conditions governing your Emergency Savings Account. You have entered into and agreed to the terms as set forth in the SecureSave ESA Program Account Agreement.
The interest rate on your account is .80% with an annual percentage yield of .80%. The interest rate and the annual percentage yield are variable and may change at any time. At our discretion, we may change the interest rate on your account at any time.
If you would like current Rate and Annual Percentage Yield information, please call us at 888-357-7120.
Interest will be compounded and credited monthly.
The daily balance method will be used to calculate the interest on your account. The method applies a daily periodic rate to the principal balance in your account each day.
If you close the account, interest that has accrued but has not yet credited to your account will not be paid. If your account is unfunded or has a zero balance for more than 20 days, we may deem your account closed.
SecureSave uses the daily collected balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day of the statement cycle. For purposes herein, the “collected balance” is the balance of all deposits in your account, not including any items not yet paid or collected.
SecureSave begins to accrue interest no later than the business day we receive credit for the deposit.
SecureSave reserves the right to require not less than 7 days’ notice in writing before any withdrawal from an interest-bearing account.
There is a daily $5000 transaction limit on withdrawals and transfers initiated by you and/or made through the Automated Clearing House (ACH) Network. These limits are designed to be flexible in order to protect you as well as the security and integrity of the service and accounts. Limits may be modified at our discretion without advance notice. More information regarding transaction limits may be found in your SecureSave ESA Program Account Agreement.
As stated in the E-Sign Consent and Electronic Communication Agreement, you have consented to receive electronic statements. If you withdraw your consent to receive electronic statements, SecureSave will have the right to close this account.
To obtain your statement, you MUST enroll in personal online banking by going to https://esa.securesave.app. You will need to agree to - separate terms and conditions for your ESA.
SecureSave reserves the right to terminate your account at any time. If your account is so terminated, SecureSave will return the proceeds of your account, if any, to you via ACH, or by any other method available to SecureSave.
THIS SAVINGS PRODUCT IS PROVIDED BY SECURE INC., A SUBSIDIARY OF SANTANDER BANK, N.A., MEMBER FDIC