RealTunes Checking

This free checking account is unlike anything you've ever seen before! Earn free iTunes® and/or Amazon.com® downloads every month...just for doing simple everyday banking activities you're already doing!


There's no minimum balance or monthly fees. Just use your Visa® check card to download music, movies, apps, games, books and more—we'll reimburse you for your purchases! Who said checking couldn't be fun?

RealTunes Checking
Summary

*Certain restrictions may apply, see a Customer Service Representative for more details.

Qualifications

Receiving iTunes® and/or Amazon.com® downloads plus ATM fee refunds is easy! In fact, the qualifications are so easy, you're probably already doing them!


  • Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle
  • Receive eStatements each qualification cycle
  • Log on to your internet banking account once per qualification cycle

If you don't qualify in a given month, no worries. You still pay no fees and get unlimited checking privileges. And you can get the iTunes® and/or Amazon.com® downloads back the very next cycle!

Disclosures

*The minimum to open account is $100. You will be refunded up to $10 for iTunes® and/or Amazon.com® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your RealTunes Checking account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. No minimum monthly balance required. No monthly service charge. Available to personal accounts only. Certain restrictions may apply, see a Customer Service Representative for more details. 10/13

Frequently Asked Questions

Is there a Service Charge for a RealTunes Checking account?

• There is never a service charge for a RealTunes Checking account. It is always a free account.


What are the "Rewards" for RealTunes Checking?

• A monthly credit of $5 per qualification cycle to be used for free iTunes® and/or Amazon.com® downloads

• Nationwide ATM fee refunds up to $20 per qualification cycle


What do I have to do to get the rewards?

  • Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle
  • Receive E-statements each qualification cycle
  • Log on to internet banking account once per qualification cycle


Is there a Sign-up Bonus?

• Yes, a Sign-up Bonus of $10 toward iTunes® and/or Amazon.com® is awarded upon opening the account or switching from another checking account. The $10 bonus expires within 60 days of opening your account.


Do the credits expire?

• Yes, the Sign-up Bonus and monthly credits to iTunes® and/or Amazon.com® both expire in 60 days.


How do I make my iTunes® and/or Amazon.com® purchases?

• You must use your RealTunes Checking Visa® check card to purchase your downloads online at the iTunes® store or on Amazon.com®.

• Reimbursements will be credited to your RealTunes Checking account on the last day of your statement cycle if you have available credits.


How often must the qualifications be met to qualify for the rewards?

• Each qualification cycle


What happens if the qualifications for RealTunes Checking are not met?

• Your ATM Fees will not be refunded, and no monthly credits are earned; however, your RealTunes Checking account will still function as a free checking account.


If I meet the qualifications, when will I receive my rewards?

• ATM fees will be refunded on the last day of each statement cycle.

• Monthly credits earned in the statement cycle will be reimbursed at the end of the following statement cycle for purchases made with your RealTunes Checking Visa check card online up to the dollar amount earned and not expired.


How will I know that I have qualified for my rewards at the end of the statement cycle?

• An e-mail will be sent letting you know if you qualified for the rewards. An e-mail will also be sent letting you know if you did not qualify for the rewards and why.


If I use my check card at an ATM, will that transaction count toward my qualifications?

• No, the required check card transactions must be a purchase with a merchant (point of sale) to count toward the qualifications.


Is there a minimum balance requirement in order to receive my rewards?

• There is no minimum balance requirement in order to receive rewards.


What is the minimum opening deposit for a RealTunes Checking account?

• $100


How do I deposit money?

• Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch. Many employers and most government agencies offer this free service. If your employer does offer Direct Deposit, great! They will have you fill out a simple form and you will be good to go.

• Wire transfer money from your current account into your newly opened account (contact State Street Bank for details.)

• Mail your checks to State Street Bank.


How do I access my money?

• Shortly after opening a RealTunes Checking account, State Street Bank sends you a free Visa check card. Use this card anywhere that accepts Visa®

• If you'd still like to use paper checks, just contact State Street Bank to get set up.

• RealTunes Checking also has free online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to pay bills, view account activity, transfer funds between accounts and confirm deposit amounts.


How do I check my balance?

• State Street Bank offers free online banking with 24-hour access to your account information.

• Contact State Street Bank at 217-223-6480 or email us at klick@statestreetbank.com and we will be glad to assist you.


What if I need to talk to someone at the institution?

• Simply call State Street Bank at 217-223-6480 or email us at klick@statestreetbank.com and we will provide the same great customer service you get when you visit one of our branches.


Is RealTunes Checking insured?

• Yes. RealTunes Checking is fully backed by the FDIC.