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BonuSelect Checking: *APY=Annual Percentage Yield. APYs accurate as of 12/01/2018. Rates may change after account is opened. Minimum to open is $50 for BonuSelect Checking and $50 for BonuSelect Saver. For BonuSelect Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.10% interest rate on the portion of the balance over $10,000, resulting in a range of 3.00% to 0.11% APY depending on the balance. If qualifications are not met on BonuSelect Checking all balances earn 0.01% APY. Qualifying transactions must post to and settle BonuSelect Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised BonuSelect Checking APY is based on compounding interest. Interest earned in BonuSelect Checking is automatically transferred to BonuSelect Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised BonuSelect Checking APY. The BonuSelect Saver APYs may be less than BonuSelect Checking APYs. Fees may reduce earnings. Limit one account per SSN. Transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

BonuSelect CashBack Checking: *Minimum to open BonuSelect CashBack is $50. When monthly qualifications are met, you receive 5% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. BonuSelect CashBack rewards from BonuSelect CashBack are automatically transferred to BonuSelect Saver at the beginning of the following statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.