*Interest is accrued on 100 percent of your daily collected balance and credited to the account monthly. No interest is paid if the account is closed before the end of the statement accounting period or if the daily balance is zero on the statement day. **No annual fee. Transactions at non-Colonial ATMs subject to activity fee. ***Federal regulations require us to impose an early withdrawal penalty of seven days' interest on amounts withdrawn within the first six days after the date of deposit. A health-related emergency occurs if you are (a) first confined in a medical care facility while the CD is in force and remain confined for at least seven consecutive days; or (b) required to meet an obligation to a nursing care or retirement facility that is due while the CD is in force. ^Travelers Cheques must be obtained from a Colonial Bank office to receive them free with this account. Discounts are not available using our online ordering method. Discounts do not apply to Cheques for Two.