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Freedom Checking Account:

Additional Terms. The following additional terms apply to this account: Personal use accounts only. One account per Tax Identification Number. If qualifications are met, daily balances of $25,000.00 or less will earn an interest rate of 0.50% with an Annual Percentage Yield (APY) of .50%. Portion of balances greater than $25,000.00 earn 0.15% with an APY ranging from 0.50% to 0.24%, depending on balance (the 0.24% APY is based on a $100,000.00 balance). To qualify for "Freedom Checking" rates and receive ATM fee surcharge reimbursements, you must perform the following during the month cycle: 1.) Have at least 15 debit card purchases post and settle. ATM withdrawals do not qualify, 2.) Have at least one automatic payment or direct deposit post and settle, 3.) Be enrolled in and agree to receive eStatements and 4.) Be enrolled in Online Banking. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. Transactions in a pending state will not qualify. ATM Refunds- When you use an ATM not owned by us, you may be charged a fee, even if you did not complete a funds transfer. Maximum ATM fee reimbursement is $25/month, if qualifications are met. Reimbursements will be credited to your account on the last day of your statement cycle. The qualification cycle begins on the first day of the month and ends on the last day of the month. However, the applicable rate will be calculated on the daily balances beginning one day prior to the start of the statement cycle and ending one day prior to the end of the statement cycle. The statement cycle ends on the 1st day of every month, unless the 1st is a Friday or non-banking day, in which it will end on the next banking day. Refer to our "Common Features (Limits and Fees)" for additional fees which may be associated with this account.  July 2026