FirstRewards Checking: To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly. If an account holder chooses to opt-out of electronic statements, they are no longer eligible for this product and will be required to transfer to another product that does not require electronic statements. This account is only available to consumers. Limit of (2) FirstRewards accounts per primary account holder social security number. To qualify for the higher interest rates: you must meet the following requirements during a statement cycle: 10 debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit. The FirstRewards statement cycle will begin on the first business day of each month and end on the last business day of each month; Non-世界赌博十大网站 ATM fees are refunded each cycle. Rate Information: A base interest rate of .01% with a .01% annual percentage yield (APY) is applied to all balances when qualifications are not met. The following FirstRewards interest rates are earned if all qualification requirements are met: Tier 1– An interest rate of 1.50% will be paid on the entire portion of your daily balance that is less than $25,000.01. The APY for this tier is 1.51%. Tier 2– An interest rate of 0.55% will be paid only for that portion of your daily balance that is $25,000.01 or more. The APY for this tier will range from 1.51% to 0.79%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 09/20/2024. Rates are subject to change after the account is opened. Fees may reduce earnings.

FirstRate Money Market: To open the account, you must make a minimum deposit of at least $5000. A minimum balance of $5000 is required per statement cycle to avoid being charged a $10 monthly service charge. During any calendar month you may not make more than six (6) withdrawals or transfers. Exceeding the six (6) withdrawals or transfers limitations in a statement cycle will result in a $2 charge per transaction over six (6). To earn the “FirstRate Money Market” 2.48% Annual Percentage Yield (APY), you must meet the following requirements: Receive your FirstRewards Checking account statement electronically monthly (eStatements). To qualify for FirstRate Money Market Reward interest rates: you must meet the following requirements in your FirstRewards Checking account: The primary account holder must be the same on the FirstRewards Checking account and the FirstRate Money Market savings account. 10 settled debit card point of sale transactions per Qualification period. Automated Teller Machines (ATM) transactions do not count towards the required 10 settled transactions. Receive your FirstRewards Checking account statement electronically monthly (eStatements). One (1) monthly automated clearing house (ACH) debit or ACH credit. Rate Information: Closure of the FirstRewards Checking account will result in forfeiture of the reward interest rate on the FirstRate Money Market account and all FirstRate Money Market account balances will earn 0.05% (APY). The interest rate on your account is 2.45% with an annual percentage yield of 2.48%.  Your interest rate and annual percentage yield may change.  The tiered interest rate may increase or decrease a minimum of 0.10% APY with each 0.25% change in the Wall Street Journal Prime Rate. The rate will be updated within 24 hours of a change in the printed Wall Street Journal Prime Rate and will be effective the next business day. Rates are subject to change. APY is accurate as of 09/20/2024. Fees may reduce earnings.