I need help determining what need to be provided in our account disclosures.

We pay interest on our deposits without a minimum balance (so $0.01 and up) Do I need to say this is the minimum balance to obtain the disclosed APY?

For a non-interest bearing account does the statement need to reflect the number of days or dates in the statement period? Only our interest bearing statements reflect this, is that ok?

What must be disclosed to a CD customer upon pre-maturity renewal for a term longer than one year?

1. No

2. There is no exception for this disclosure based on whether or not the account earns interest.

3. See 1030.5: http://www.bankersonline.com/regs/12-1030/12-1030-000.html#05

When would you need to disclose the minimum balance? Is it if you only pay interest over a specific balance?

Yes.

I am confused...If I run an account thru APY Win my APY comes up less than our disclosures even though we pay interest on any balance in the account. Clarification?

You may have selected the wrong tiering method.