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DISCLOSURES: 1. Annual Percentage Yield (APY) accurate as of August 1, 2023. Minimum to open account is $100. Rate tiers are as follows: 3.00% APY applies to balances of $.01 - $10,000 and 0.25% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn between 3.00% - 0.25% APY as long as qualifications are met. Rates may change after the account is opened. 2. ATM fee refunds up to $20 per cycle when qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account and earn interest at the non-qualifying rate; however, it will not receive ATM refunds. Qualifications are as follows: 1) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle, 2) Receive eStatements each qualification cycle, and 3) Have at least 1 Direct Deposit or ACH Auto Debit post and settle per qualification cycle. 3. No minimum balance required. No monthly service charge. Available to personal accounts only, only one account per social security number. Certain restrictions may apply.