If we receive a deposit to your account on or before the tenth of the
month, you begin earning interest on the deposit (whether it was a deposit of
cash or checks) as of the first day of that month. If we receive the deposit
after the tenth of the month, you begin earning interest on the deposit as of
the first of the following month. For example, a deposit made on June 7 earns
interest from June 1, while a deposit made on June 17 earns interest from
July 1.