Beyond Checking

*APY = Annual Percentage Yield. Rate may change after the account is opened. Fees could reduce earnings.

+If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month.

**Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.