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Free Kasasa Cash Checking:

*Qualification Information: 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 transactions processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. 

Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive an APY* of 1.00%; and balances over $10,000 earn 0.05% interest rate on the portion of balance over $10,000, resulting in a range from 1.00% to 0.13% APY* depending on the account's balance. Kasasa Cash Back: receive 3.00% cash back on up to a total of $300.00 of debit card (POS) point of sale purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $10,000 in your Kasasa Saver account receive an APY* of 0.50% and balances over $10,000 earn 0.05% interest rate on the portion of balance over $10,000, resulting in a range from 0.50% to 0.09% APY depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25 and limited to $4.99 per single transaction for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. *APY = Annual Percentage Yield. Rates and rewards are variable and at the Bank's discretion, the rates may change at any time. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments and other requirements apply. $100 minimum deposit is required to open a Kasasa account, if opening a Kasasa Savor with a Kasasa Cash the required opening deposit of $100 may be used to open both accounts. Account Qualifications: 15 debit card Point of Sale transaction posted and settled, a Monthly Direct Deposit , such as direct deposit of payroll or Government Benefit or Mobile Deposit or ATM Check Deposit and maintain a valid email address for our Bank records. These qualifications are also conditions of the Kasasa Cash and Kasasa Cash Back accounts. Kasasa Cash Checking is free with electronic statements. If 3 consecutive email notifications are returned to the Bank, the account will be converted from monthly electronically statement delivery to monthly paper statement delivery. The standard paper statement delivery fee of $2.00 will apply.

Free Kasasa Cash Back Checking:

*Qualification Information: 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 transactions processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive an APY* of 1.00%; and balances over $10,000 earn 0.05% interest rate on the portion of balance over $10,000, resulting in a range from 1.00% to 0.13% APY* depending on the account's balance. Kasasa Cash Back: receive 3.00% cash back on up to a total of $300.00 of debit card (POS) point of sale purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $10,000 in your Kasasa Saver account receive an APY* of 0.50% and balances over $10,000 earn 0.05% interest rate on the portion of balance over $10,000, resulting in a range from 0.50% to 0.09% APY depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25 and limited to $4.99 per single transaction for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. *APY = Annual Percentage Yield. Rates and rewards are variable and at the Bank's discretion, the rates may change at any time. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments and other requirements apply. $100 minimum deposit is required to open a Kasasa account, if opening a Kasasa Savor with a Kasasa Cashback the required opening deposit of $100 may be used to open both accounts. Account Qualifications: 15 debit card Point of Sale transaction posted and settled, a Monthly Direct Deposit , such as direct deposit of payroll or Government Benefit or Mobile Deposit or ATM Check Deposit and maintain a valid email address for our Bank records.  These Qualifications are also conditions of the Kasasa Cash and Kasasa Cash Back accounts.  Kasasa Cash Back Checking is free with electronic statements. If 3 consecutive email notifications are returned to the Bank, the account will be converted from monthly electronically statement delivery to monthly paper statement delivery. If 3 consecutive email notifications are returned to the Bank, the account will be converted from monthly electronically statement delivery to monthly paper statement delivery. The standard paper statement delivery fee of $2.00 will apply.

PaySmart Checking:

*Eligibility Requirements - This product is available only to consumers who are of legal age (not for business purposes or minors (under the age of 18). Only one PaySmart Checking account per person as determined by the Social Security Number of the primary owner.  PaySmart Checking is a Return all account with Mandatory Opt-out and No overdraft Protection.

Rate Information - Your interest rate and annual percentage yield (APY) may change. The interest rate on your account is .05% with an APY of .05%.

Determination of rate - At our discretion, we may change the interest rate on your account.

Frequency of rate changes - We may change the interest rate on your account at any time.   

Limitation on Interest Rate Change - There is no maximum or minimum interest rate limit for this account.

Compounding and crediting frequency - Interest will be compounded monthly and will be credited to your account monthly.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.   

Minimum balance to open the account - You must deposit $100.00 to open this account.   

Balance Computation Method -This is an interest-bearing account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the balance of which interest is paid.   

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees - A service charge of $14.95 will be assessed for each month after the first monthly statement cycle. NoNSF Item Paid or Returned Check Fee. (Returned checks may be subject to the payee/merchant's fee.)   

Transaction limitations - No limitations on the number or amount of deposits into or withdrawals from your account.