*Higher rates paid when qualifications are met. Qualifications include: at least one direct deposit or ACH payment transaction; at least 12 debit card purchases, each $5 or more; and enrollment in eStatements. Accounts that do not meet qualifications will earn a lower rate of interest. Qualifying transactions must post and settle during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions.

**Reimbursements of nationwide ATM withdrawal fees less than $5 incurred during qualification cycles will be reimbursed up to $25 when qualifications are met. ATM withdrawal fees are not reimbursed when qualifications are not met.

***Cash back rewards earned when qualifications are met. Qualifications include: at least one direct deposit or ACH payment transaction; at least 12 debit card purchases, each $5 or more; and enrollment in eStatements. Accounts that do not meet qualifications will not earn cash back rewards. Qualifying transactions must post and settle during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count toward qualifying debit card purchases.

Additional fees and terms may apply. For more details, our fee schedule is available upon request.