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Reward Checking:

*Earn 1.51% Annual Percentage Yield (APY) on balances up to $10,000.99 and 0.63% - 1.51% APY on balances over $10,001.00 and refund of ATM fees when you meet the following qualifications: have at least ten (10) Visa Check Card Point of Sale (POS) transactions (excludes ATM transactions) post and settle per monthly qualification cycle; provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit per monthly qualification cycle. When eligibility qualifications are not met, you will earn 0.05% APY on entire account balance and nationwide ATM fees will not be refunded. APY accurate as of 8/21/19 and may change after the account is open. $50 minimum balance to open account.

Real CashBack Checking: *When the monthly qualifications are met, you will receive 3% cash back, on total qualifying purchases up to $300 that post to and settle your account during the Monthly Qualification Cycle. The cash back rewards will be credited to your account on the last day of your statement cycle. ATM transactions do not count as qualifying check card transactions for purposes of earning rewards within this account. Check card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying check card transactions. Only check card transactions processed by merchants and received by the bank as POS transactions count towards qualifying check card transactions. The check card and bill pay transactions MUST post to and settle your account during the Monthly Qualification Cycle. They may not be in a pending status to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction is made to post to and settle an account. Qualifying Purchase means a check card purchase in an amount greater than or equal to $5.00. Monthly Qualification Cycle means a period beginning the last business day of the current monthly statement cycle through the second to last business day of the following monthly statement cycle. This product is available only to consumers (not available to business purpose accounts). This product is not available to Reward Checking customers. (Only one "reward" product per person, as determined by the social security number of the primary owner.) You must deposit $50.00 to open this account. There is no monthly or annual service charge for this account. You will not receive Real CashBack rewards if you close your account on or before the last day of your monthly qualification cycle.

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