By signing the overnight deposit transaction contract the client will have opportunity to automatically earn higher interest rate on the overnight balance of the current account. The overnight deposit transaction is conducted if the account balance is at least equal to the lowest limit for overnight transactions, as stipulated in the contract, on any banking day at 21:00 o'clock. The bank will return the sum deposited with interests to the current account on the following banking day by 9:00 o'clock.

Standard lowest limit of the current account balance for the overnight deposit transaction is EEK 300,000.00 (EUR 19 173.49) or equivalent in foreign currency accepted by the bank. Currently bank accepts for overnight deposits as well EUR and USD. The minimum balance is calculated per currency.

Intrest rates applicable on the overnight deposit transactions are following from 07 July 2010: