If a customer opens a Plus checking account with us or converts an existing account to one, and has either a $2,500 savings or cd or a 1st REM or HELOC, we offer a higher interest rate on a new certificate of deposit or a renewal of an existing one. We are calling this a bonus CD rate in our account brochure. Are we in compliance with all of this, or does the term "bonus" give us a problem?

The use of the term "bonus" is not regulated. If your disclosures and ads are otherwise compliant, the use of this term is not a problem.