|Minimum Required to Earn APY||Annual Percentage Yield (APY)||Monthly ATM Refund|
|$0.01 (qualifying balances)||1.50%||up to $25|
|$25,000 (qualifying balances)||1.50% to 0.38% depending on account balance||up to $25|
|$0.01 (non-qualifying balances)||0.05%||$0|
|Note: Annual Percentage Yield (APY) effective 1/1/16 and subject to change at any time. Any fees incurred could reduce earnings on this account.
Minimum $25 opening balance.
In order to qualify for rewards, the following requirements must be met each monthly qualification cycle: 1) Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account during the monthly qualification cycle; 2) Have at least one direct deposit or ACH auto debit post and settle to the Rewards Checking Account; 3) Be enrolled in and receive free paperless e-statements.
Dividends are paid on the last business day of the month; therefore, all debit card transactions must post and settle to the account by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end date will be included in the following month's qualifying transaction totals.
You will receive reimbursements up to $25.00 ($9.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $9.99 or higher. To qualify for nationwide ATM fee refunds, the ATM withdrawal must be withdrawn from the respective checking; no other accounts qualify.
If monthly requirements are not met, ATM fees are not refunded, dividend rate and APY shown for non-qualifying balances will apply and the account will remain free with no monthly fee or minimum balance required.
Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.|