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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 Reward Checking 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 Reward Information
Depending on what account(s) you open and maintain, when your chosen Reward Checking 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 $15,000.00 at a 4.889% interest rate with an Annual Percentage Yield of 5.00%*
- Balances above $15,000.00 at a 1.00% interest rate with an Annual Percentage Yield of 5.00% to 1.52%*
- Nationwide ATM withdrawal fees/surcharges, imposed by other financial institutions, are refunded up to an aggregate total of $25.00** per Monthly Qualification Cycle incurred.
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.