RITE Checking and Savings

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

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*APY=Annual Percentage Yield. APYs are accurate as of [Today’s Date]. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. If qualifications are met each monthly qualification cycle: (1) Unlimited national ATM surcharges posted and settled during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances from $.01 up to $25,000 earn 0.50% interest rate, resulting in an APY of 0.50%; and (3) balances over $25,000 earn 0.05% interest rate on portion of balance over $25,000, resulting in 0.50–0.14% APY depending on balance in account. If qualifications are not met, all balances earn an interest rate and APY of 0.02% and account does not receive ATM surcharge rebates for that period. To qualify you must have at least: (1) 10 posted and settled Debit Card purchases. (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly qualification cycle” is in line with your “Statement Cycle”. “Statement Cycle” means the period of time for which the Bank provides a summary of the financial activities and transactions that post and settle to your account. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

**When monthly qualifications are met, you receive: (1) 2.00% cash back on qualifying debit card purchases, up to a total cash back of $8, that post and settle to your account during the monthly qualification cycle; and (2) Unlimited national ATM surcharge rebates for charges posted and settled to the account during the monthly qualification cycle. Cash Back rewards and ATM surcharge rebates will be credited on the last day of the monthly statement cycle if qualifications are met within the monthly qualification cycle. If monthly qualifications are not met, the account will not receive cash back rewards and ATM surcharges will not be reimbursed for that period. To qualify you must have at least: (1) 12 posted and settled Debit Card purchases (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly qualification cycle” is in line with your “Statement Cycle”. “Statement Cycle” means the period of time for which the Bank provides a summary of the financial activities and transactions that post and settle to your account. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is $0.00 or less for 60 consecutive days the account will be closed. Available as a personal account only. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).

***APY=Annual Percentage Yield. APYs are accurate as of [Today’s Date]. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. Minimum to open account is $25. No minimum balance required to keep account open; however, if your account balance is $0.00 or less for 60 consecutive days your account will be closed. No monthly service fee and no minimum balance required to earn rewards. RITE Savings account must be combined with a RITE Interest Checking account or a RITE Rewards Checking account and the associated checking account must meet its monthly qualifications in order for the RITE Savings account to receive the higher savings rates. If qualifications in the RITE Interest or RITE Rewards Checking accounts are met each monthly qualification cycle: (1) balances from $.01 up to $50,000 in RITE Savings account earn an interest rate and APY of 0.20%; and (2) balances over $50,000 in RITE Savings account earn 0.05% interest rate on portion of balance over $50,000, resulting in 0.20% – 0.10% APY depending on balance in account. If qualifications are not met on RITE Interest or RITE Rewards Checking accounts, all balances in RITE Savings account earn an interest rate and APY of 0.02%. Please refer to RITE Interest Checking or RITE Rewards Checking for a description of the monthly qualification requirements. If the associated checking account is closed, the RITE Savings account will revert to a Statement Savings account. Available as a personal account only. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).