Most Valuable Checking with Cash Back

• Free Account with Rewards:
• Get 2% cash back on debit card purchases* (up to $200 per statement cycle)
• ATM fee refunds nationwide** (up to $50 per statement cycle)
• Link your Most Valuable Checking-with Cash Back account to your Most Valuable Savings account to help your rewards grow automatically
• No minimum balance to earn rewards or maintain free account
• No monthly service fees
• Free debit card
• Free online banking
• Bill Pay Available***
• Free e-Statements
• $50 minimum deposit to open

Qualifiers

• Be enrolled & receive e-statement notice
• Make 10 debit card transactions that post and settle during the cycle
• Have at least one automatic debit (ACH) transaction, like a direct deposit or bill pay, post and settle per qualification cycle

No Penalties

Even if you don't qualify during a given cycle, you can try again next cycle to earn rewards.

*Minimum to open account is $50. Cash Back on 2% on purchases up to $200 per month, with maximum Cash Back of $4 per month. Qualifying transactions must post and settle to the Most Valuable Checking-with Cash Back account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions. Limit one account per Tax ID number.

**ATM fee reimbursements (checking account only) up to $50 provided only if qualifications are met within the monthly qualification cycle. Rates may change after the account is opened. Fees may reduce earnings. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying transactions for purposes of earning rewards within this account.

***Bill Pay is free if used for a minimum of 1 payment per month; otherwise, $5.95 per month.

• Earns 1.00% APY* on entire Most Valuable Savings balance
• Earns 0.05% APY* on Most Valuable Savings balance if qualifications are not met
• No monthly service fee
• No minimum balance to earn rewards or maintain free account
• Linked to Most Valuable Checking account
• ATM fee refunds nationwide** (up to $50 per statement cycle)
• These earnings automatically deposited into your Most Valuable Savings account
• Free online banking
• Free e-Statements
• $50 minimum deposit to open

*Annual Percentage Yield (APY) accurate as of 1/1/2013. Minimum to open Most Valuable Checking account is $50 and $50 for Most Valuable Savings. Most Valuable Checking rate tiers are as follows: 2.00% APY applies to balances of $0.01-$15,000 and 0.50% APY applies to balances over $15,000, if qualifications are met during the monthly qualifications cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% APY to 2.00% APY as long as monthly qualifications are met. The advertised Most Valuable Checking APY is based on compounding interest. The interest earned in Most Valuable Checking is automatically transferred to Most Valuable Savings each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. Most Valuable Savings APYs may be less than Most Valuable Checking APYs. Most Valuable Savings rate tiers are as follows: 1.00% APY on entire balance if qualifications are met during monthly qualification cycle on Most Valuable Checking. 0.05% APY applies to all balances if qualifications are not met on Most Valuable Checking. Qualifying transactions must post and settle Most Valuable Checking during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and settle to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Rates may change after account is opened. Fees may reduce earnings. Not available as a stand-alone product, must be opened in conjunction with a Most Valuable Checking account.

**ATM Fee refunds (Most Valuable Checking accounts only) up to $50 provided only if qualifications are met within monthly qualification cycle. Qualification cycle is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.