What must TISA disclosures include regarding payroll deposit accounts?

The correct choice is the inclusion of fees, expiration dates, and usage limits in TISA disclosures regarding payroll deposit accounts. The Truth in Savings Act mandates that financial institutions provide clear and comprehensive information regarding the terms and conditions of deposit accounts, including any fees that may apply, the period for which certain terms are valid, and any limitations on how the account can be used. This transparency is crucial for consumers to make informed decisions about their accounts and to understand the total cost of maintaining their deposit account.

In the context of payroll deposit accounts, it's particularly important for customers to be aware of the fees that might reduce their available funds, along with any expiration dates for promotional rates or offers, and limitations on how they can use their funds or withdraw money. By ensuring that customers receive this information, financial institutions comply with TISA's requirements and help consumers avoid surprises related to their accounts.

The other options do not pertain to the specific requirements set by TISA for payroll deposit accounts. While minimum balance requirements or terms for withdrawing funds might be relevant information for other types of accounts, they are not as directly emphasized as the need for transparency around fees and limitations for payroll deposits under TISA regulations. Interest rates on loans, while important, are not applicable in