Rewards Checking – Earn up to 5.25 APY*

No monthly service charges and no minimum balance required	Free Person-to-Person transfers (Zelle®)
Free Bank-to-Bank transfers	Companion High-Rate Rewards MMA available
Free VISA® debit card	Free ATM Reimbursement**
Free Mobile Deposit	Free Bill Pay

1. *APY is Annual Percentage Yield. Earn Rewards interest rate of 5.25% APY when you have up to $15,000 in your account. Amounts over $15,000 will earn 0.10% APY. The APY for this tier will range from 5.25% to 0.05%.  If requirements are not met, you will earn 0.05% APY on the entire balance. We will pay interest earned by your account at the end of each monthly billing cycle. APY is accurate as of 9/29/23. Rates may change.
2. **We will refund all domestic ATM fees the next business day after your transaction. Use any domestic ATM that is convenient for you!
3. Open this account with a minimum deposit of $100.
4. There is no minimum balance required to maintain this account and no monthly service charge.
5. To receive reward interest rate from our Rewards Checking account, participants must:
   • Make 10 VISA^® debit card transactions per monthly statement cycle, including ATM transactions.  Please refer to #6 below.
   • Transact one ACH transaction per monthly statement cycle (direct deposit, auto payment, etc.)
   • Receive your statements electronically.
6. Our monthly statement cycle ends at the end of each month. If the last day of the month falls on a Saturday or a Sunday, the cycle will end on Friday.  There are no rollover transactions.
7. Qualifying VISA^® debit card sales transactions include each time you use your VISA^® debit card to make a purchase from a vendor or merchant or each time you transact on an ATM. These transactions must post and clear your account during the statement cycle.
8. There is a limit of one Rewards Checking account allowed per social security number.
9. This is a tiered rate account.
10. Free e-Statements with transaction images are available for view online.