Rewards Checking

Features:

• 1.51% APY* on balances up to $25,000
• 0.35% APY* on balances over $25,000
• If qualifications aren't met, you still earn 0.15% APY*
• No monthly maintenance fee
• No minimum balance to earn rewards
• Nationwide ATM fees refunded** (up to $25 per cycle)
• Free Visa Check Card
• Free Online Banking and Billpay
• Free E-Statements
• Overdraft protection up to $600
• Tele Bank
• Direct Deposit available
• Night Deposit available
• $50 to open

Qualifications:

In order to qualify for our great interest rate and ATM fee refunds**, simply do these three things during each monthly qualification cycle:

• Have 10 Visa Debit Card purchases post and clear the account
• Have one direct deposit or pre-authorized ACH electronic payment post and clear the account
• Receive and review free paperless E-Statements

Details:

*Annual Percentage Yield (APY) accurate as of 2/28/12. $50 minimum to open account. No minimum balance to earn rewards. Rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000 and 0.35% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.15% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.35%APY - 1.51%APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. Personal accounts only: limit one account per unique SSN.

**ATM fee reimbursements up to $25 per monthly qualification cycle provided only if qualifications are met within that cycle.