2. A minimum opening deposit of $5,000 is required. A $20 service charge will apply each month the average daily balance falls below $5,000.

25. Essential Checking is FREE.

49. Preferred Checking is FREE, or $5.00 monthly service charge if less than 20 debit card transactions per month.

73. Annual Percentage Yield (APY). 5.00% APY is paid on balances up to $5,000; .10% APY is paid on balances over $5,000 for a blended overall rate; rates effective 5/1/24 and subject to change. The following account qualifications must be met to earn the qualifying APY: (1) Twenty (20) debit card transactions must clear the account, and (2) a total of $1000 in direct deposit into this checking account by the end of the month. If both are not met, .10% APY will be paid on the balances. One High Yield Checking per account.