Checking Accounts

Qualification Information: To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: Kasasa Cash – Level 1 Qualifications: At least 15 debit card purchases, At least 1 direct deposit or ACH payment transaction, Receive eStatements Kasasa Cash – Level 2 Qualifications: At least 30 debit card purchases, At least 1 direct deposit or ACH payment transaction, Receive eStatements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Reward Information: When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, you will receive: Kasasa Cash – Level 1 Rewards: Daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 1.982% resulting in an APY of 2.00%; and Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 2.00% to 0.64% APY depending on the account’s daily balance. Kasasa Cash – Level 2 Rewards: Daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 3.9280% resulting in an APY of 4.00%; and Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 4.00% to 0.82% APY depending on the account’s daily balance. ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. All interest and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. When your Kasasa Cash account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and the entire daily balance in the Kasasa Cash account earns an interest rate of 0.0499% resulting in an annual percentage yield of 0.05% APY. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $110,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Being enrolled in and having agreed to receive eStatements rather than paper statements is a condition of opening and maintaining this account. See Fee Schedule for fees that may apply to this account. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact your local banking center for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Rates accurate as of August 1, 2024.

² Qualification Information: To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: Kasasa Cash Back – Level 1 Qualifications: At least 15 debit card purchases, At least 1 direct deposit or ACH payment transaction, Receive eStatements. Kasasa Cash Back – Level 2 Qualifications: At least 30 debit card purchases, At least 1 direct deposit or ACH payment transaction, Receive eStatements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Reward Information: When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: Kasasa Cash Back – Level 1 Rewards: You will receive 3.00% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back payments may be earned per Monthly Qualification Cycle. Kasasa Cash Back – Level 2 Rewards: You will receive 4.00% cash back on up to a total of $200 card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the Kasasa Cash Back account. Being enrolled in and having agreed to receive e-statements rather than paper statements is a condition of opening and maintaining these accounts. There are no recurring monthly maintenance charges or fees to open or close this account. Certain transaction and service fees may apply. See accompanying Fee Schedule for fees that may apply to this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact your local banking center for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Rates accurate as of August 1, 2024.