Checking Accounts

*APY=Annual Percentage Yield. APYs are accurate as of January 25, 2020. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. If qualifications are met each monthly qualification cycle: (1) Unlimited national ATM surcharges posted and settled during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances from $.01 up to $25,000 earn 1.98% interest rate, resulting in an APY of 2.00%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 2.00% – 0.60% APY depending on balance in account. If qualifications are not met, all balances earn an interest rate and APY of 0.05% and account does not receive ATM surcharge rebates for that period.

To qualify you must have at least: (1) 10 posted and settled Debit Card purchases. (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as monthly qualification cycle. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only. Limit one account per tax identification number. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

*When monthly qualifications are met, you receive: (1) 2.00% cash back on qualifying debit card purchases, up to a total cash back of $8, that post and settle to your account during the monthly qualification cycle; and (2) Unlimited national ATM surcharge rebates for charges posted and settled to the account during the monthly qualification cycle. Kasasa Cash Back rewards and ATM surcharge rebates will be credited on the last day of the monthly statement cycle if qualifications are met within the monthly qualification cycle. If monthly qualifications are not met, the account will not receive cash back rewards and ATM surcharges will not be reimbursed for that period.

To qualify you must have at least: (1) 12 posted and settled Debit Card purchases (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as monthly qualification cycle. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only. Limit one account per tax identification number. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

*You will receive a refund up to $4.95 (which includes any applicable taxes) for any iTunes, Google Play or Amazon.com debit card purchases that post and settle to the account within 60 calendar days after your account is opened. Purchases must be made with your debit card associated with the Kasasa Tunes checking account. Refund will be credited to your account on the last day of the current statement cycle after your purchases post and settle to your account. Any portion of the account opening product reward that is not used within the stated time period will be forfeited. In addition, if qualifications are met each monthly qualification cycle you will receive: 1) A refund of up to $4.95 for iTunes, Google Play or Amazon.com purchases, which includes any applicable sales tax. In order to be refunded, iTunes, Google Play or Amazon.com purchases must be made with your debit card associated with the Kasasa Tunes checking account. and 2) Unlimited national ATM Surcharge rebates for charges posted and settled to the account during the monthly qualification cycle. If qualifications are not met, account will not receive refunds for iTunes, Google Play or Amazon.com purchases and ATM surcharges will not be rebated for the period.

To qualify you must have at least 1) 20 posted and settled Debit Card purchases (ATM transactions and debit card purchases processed at ATM transactions do not count towards qualifying debit card purchases) and 2) Be enrolled in, receive and review eStatements. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly qualification cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as the monthly qualification cycle. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is 0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only. Limit one account per tax identification number. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc. Google Play is a registered trademark of Google, Inc. Amazon.com is a registered trademark of Amazon.com. Apple Inc., Google, Inc. and Amazon.com are not participants in or sponsor of this program.

¹ Only standard check style free; other styles available for a fee.
² Safe deposit box contents are not FDIC or DIF insured. Credit is toward safe deposit box annual rental fee: one box per household.