^ Interest rates are provided on a separate schedule and all rates are subject to change at any time at the discretion of Nicolet National Bank. Interest will be compounded every month. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day. Interest will be credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items such as checks.