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Account Qualification Information
To earn your account(s)’ rewards, the following enrollments must be in place and all transactions and activities must post and settle to your selected Spend + Rewards or Spend + Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit/ACH Credit or ACH Debit Transaction per cycle.
- At least 15 qualifying debit card purchases per cycle.
- Must be enrolled and agree to receive e-statements rather than paper statements.
Account Rewards Information
Depending on what account(s) you open and maintain, when your chosen Spend + Rewards or Spend + Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive the associated account rewards as shown below. For complete clarity, you will only receive the rewards associated with your selected account.
Interest Rewards:
- Balances up to and including $100,000.00 at a 2.9595% interest rate with an Annual Percentage Yield of 3.00%*
- Balances above $100,000.00 at a 1.00% interest rate with an Annual Percentage Yield of 3.00% to 2.00%*
When Account Qualifications Are Not Met, Your Account Earns an Interest Rate of 0.05% with an annual Percentage Yield of 0.05% and ATM withdrawal fee/surcharges are not refunded for that qualifying cycle.
*NOTE: Interest does not compound in the Spend + Rewards account when the account is linked to High-Yield Savings:
- When linked to a High-Yield Savings account, the interest in Spend + Rewards does not compound because it is automatically transferred to the High-Yield Savings account within one day. Note: Automatic transfer may cause an overdraft to your Spend + Rewards account, if the account's balance is less than the transferred amount when transfer occurs.
**Incurred nationwide ATM withdrawal fees/surcharges, imposed by other financial institutions, are refunded based on estimates:
- We reimburse ATM withdrawal fees/surcharges, imposed by other financial institutions, based on estimates when the withdrawal information we receive does not identify the specific ATM withdrawal fee/surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive a transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Cash back payments, interest, and ATM withdrawal fee/surcharge refunds are credited to your individual or to your linked High-Yield Savings account, as appropriate, on the:
- Last day of the current Statement Cycle.