These are the account disclosures for big interest gold:

*Your account must meet specific reward qualification criteria to earn the reward interest rate(s) disclosed, the account must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have 12 completed Liberty Visa® debit card transactions by the last business day of the month (qualification cycle) using the Liberty Visa® debit card(s) linked to the account.  This means the 12 transactions must have cleared your account, not be in pending status and excluding ATM transactions.   To earn the rewards rate on your Big Interest Savings account, you must have a Big Interest GOLD Checking account that meets the requirements above. When the qualifications above are met during a monthly qualification cycle, (1) Checking balances up to $25,000 receive APY (Annual Percentage Yield) of 1.00%, and balances of over $25,000 earn 0.50% APY on the portion of balance over $25,000. (2) Big Interest Savings account balances up to $50,000 receive APY of 4.00%, and balances of over $50,000 earn 1.00% APY on the portion of your balance over $50,000. (3) When Big Interest GOLD Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 4/12/24 and are subject to change without notice. Big Interest GOLD Checking requires $100 deposit to open and Big Interest Savings requires $10 deposit to open, however these funds are available to you after account opening. (4) Some fees may apply, refer to our current Schedule of Fees. Fees could reduce earnings. 
2 The descriptions here are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefits on the certificate of insurance. Some benefits require registration/activation.
5 Access to funds for getting paid early can be up to two days prior to the date of scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.
6 Available to new Liberty Savings Bank checking customers. To receive the $50 reward, the new Liberty Savings Bank checking customer must make one Liberty Savings Bank debit card purchase (excluding ATM transactions) within the first 90 days after opening the account. Once eligible, a $50 reward will be deposited into the new Liberty Savings Bank checking account by the 10th business day. Rewards will be posted as interest to your account. This is a limited-time offer and is subject to change without notice. Not valid with any other offer.
8 Subject to availability. Message and data rates may apply. You must apply for Mobile Deposit. 

9 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
10 Requires $100 deposit to open, however these funds are available to you after account opening. There is no minimum balance and a nominal $4.00 monthly fee after the initial 90 day free promotional period.
11 Replacement Liberty Visa® Debit Cards are $10 each.
12 Click on the link to locate the 55,000+ surcharge-FREE ATMs in the Allpoint network near you.