Closing this account within 90 days of opening results in $25 fee. A cycle service charge of $14 will be imposed every statement cycle that the average daily balance falls below $4,000. ✚fter qualifications are met, earn 6.00% Annual Percentage Yield (APY) on balances up to $40,000 for balances above $40,000, APY ranges from 6.00%-0.60 APY depending on the balance of the account. Receive a $100 lender credit when you originate a mortgage loan with Origin Bank during the life of this account.