Premier Checking

Earn as much as 0.30% APY* just for doing simple activities you probably already do. You'll also enjoy unlimited refunds on ATM withdrawal fees, nationwide* — and this account is free!

• Free checking that pays high interest
  - 0.15% APY* on daily balances below $25,000
  - 0.15% to 0.30% APY* on daily balances equal to or greater than $25,000 depending on balance in account
  - 0.02% APY* if qualifications aren't met

Earning your rewards is a piece of cake!

Qualifying for your full rewards requires no more than using the free services that come with your account. To earn your rewards, just do the following transactions and activities in your Premier Checking account during each Monthly Statement Cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive eStatements

That's all. Even if you don't meet your qualifications during the cycle, your Premier Checking account is still free. Plus, you'll still earn our base interest rate. And, you can get right back to earning your full rewards the very next month!

*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 Statement 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 purchases 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. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Reward Information: When the above account qualifications are met during a Monthly Statement Cycle, (1) daily balances below $25,000.00 receive APY of 0.15%; and daily balances equal to or greater than $25,000.00 earn 0.35% interest rate on the portion of the daily balance equal to or greater than $25,000.00, resulting in a range from 0.15% to 0.30% APY depending on the account's daily balance and (2) you will receive reimbursements for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Statement Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When the above qualifications are not met, all daily balances in the account earn 0.02% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Premier Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of January 25, 2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. $100.00 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Limit one account per social security number. There are no recurring monthly service charges or fees to open this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.