*OAC. Some restrictions apply. Rate and terms subject to change. Does not include international ATM transaction fees. No fees will be charged by Global. Fees that may be charged by the ATM owner will be refunded at the end of each cycle. APY = Annual Percentage Yield. Rate paid on the first $10,000 when account requirements are met. Funds in excess of $10,000 will earn .25% APY. Accounts that do not meet the requirements will earn .25% APY and will not receive a refund of ATM surcharges. Fees may reduce earnings on your account.