FREE CHECKING ACCOUNT

DISCLOSURES:

¹ Qualifications, limits and other requirements apply to earn ATM refunds and high interest or cash back rewards. See financial institution for details. If qualifications are met, reimbursements up to $9.99 per transaction, with an aggregate total of $25 for nationwide ATM withdrawal

fees incurred on your Kasasa account during the Monthly Qualification Cycle in which you qualified. Please note that ATM fee reimbursements only apply to Kasasa Cash, and Kasasa Cash Back accounts. Kasasa Saver ATM transaction fees are not reimbursed nor refunded. ATM fee reimbursements may be tax reportable, please consult your tax advisor.

Account Qualifications (per qualification cycle): Have at least 12 debit card purchases post and settle; have at least one direct deposit, one automatic ACH transaction, or bill payment transaction post and settle; and be enrolled in and agree to receive eStatements.

The interest rate and annual percentage yield may change after account opening.Fees could reduce the earnings on the account.

Kasasa, Kasasa Cash Back, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

² You must deposit $10.00 to open this account. The primary account owner must be 22 years of age or younger. Minors (under the age of 18) will require a parent or guardian to be a joint owner on the account. We will refund an aggregate of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the monthly statement cycle. Generally, the refund will be credited to your account within 2 business days. When the primary account holder reaches the age of 23, the Student Checking account will automatically convert into a checking account, disclosures will be provided at that time. Please note that rates, fees, and balance requirements may vary based on the account available at that time. Must be 18 or older to open online.