Reward Checking

• 3.562% APY* on balance up to $25,000, on balances over $25,000 earn 0.25% APY* and 0.01% APY* if monthly qualifications aren’t met.
  (* See qualifications statement in section below.)
• Unlimited ATM Fee refunds—receipts on fees over $4.99 must be brought in
• Monthly service fee waived when setup for e-statement
• No minimum balance requirements to earn rewards
• You can link this account to our high interest Reward Saver
• Free online banking
• Free bill pay
• Free mobile banking with mobile deposit
• Free initial instant issue debit card
• Free e-statements
• Unlimited check writing
• $100 minimum deposit to open

Rewards Qualifications

This account is an interest bearing account.  If the daily balance is less than $25,000.01, the interest rate paid on that portion of the balance will be 3.5%.  The annual percentage yield for this tier will be 3.562%.  if the daily balance is more than $25,000.00 the interest rate paid on that portion of the balance will be 0.2497%.  The annual percentage yield for this tier will range from 3.562% to 1.00%.

The interest rate and annual percentage yield may change at our discretion at anytime or if changes are made in your financial relationship with the institution as shown below.  This account has special criteria that must be met in order to receive a higher rate of interest on each tier.

If the following qualifications are met the account will receive up to 3.562% APY, on balances up to 25,000.00 and 0.25% APY on balances greater than $25,000.00.

1. You must have at lease one direct deposit or recurring ACH credit or debit post and settle during the statement cycle.
2. You must have at least 10 debit card purchases (not ATM withdrawals) post and settle during the statement cycle.

If qualifications are not met during the cycle 0.01% APY applies to all balances.

For balances above $25,000.00 you may see a blended rate range from 3.562% - 0.2497%.

Rates may change after account opening.  Fees may reduce earnings.  Qualifying transactions must post and settle to the account during the statement cycle.  Transactions may take one or more business days to post to an account from the date the transaction is made.  Interbank transfers do not count as qualifying ACH transactions.  ATM fee reimbursements provided only if qualifications are met within the statement cycle.

By default the account is setup for an e-statement, meaning you will not receive a paper statement in the mail but if you choose to receive a paper statement, a fee of $4.00 will be charged to your account at the end of your statement cycle.