Institutions that choose to offer and maintain IOTA accounts must meet the following requirement:

Pay the highest interest rate or dividend generally available from the institution to its non-IOTA account customers when IOTA accounts meet or exceed the same minimum balance or other account eligibility qualifications, if any.

Please note: In determining the highest interest rate or dividend generally available from the institution, eligible institutions may consider factors, in addition to the IOTA account balance, customarily considered by the institution when setting interest rates or dividends for its customers, provided that such factors do not discriminate between IOTA accounts and accounts of customers, and that these factors do not include that the account is an IOTA account.