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^* APY = Annual Percentage Yield. To qualify for the monthly high interest reward (5.00% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 20 debit or credit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (3) be enrolled in and receive monthly eStatements. Statement cycle: The statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly statement cycle, 5.00% APY will apply to balances $10,000.00 and below; 0.05% APY will apply to balances of $10,000.01 or more. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the statement cycle and dividing by the number of days in the statement cycle. All Elite Checking Accounts in which reward qualifications are not met will not earn a dividend in the statement cycle. If you close your account before interest is paid, you may not receive the accrued interest. General information: Rates are variable and subject to change at any time. Fees may reduce earnings. Limit one high interest checking per Social Security number. uChoose Rewards is a valuable points-earning benefit for Elite Checking Accounts and the Platinum uChoose Rewards VISA cardholders. You can use your points to redeem for any available reward options, including cash, gift cards, travel, and much more. Redemption values for reward options vary. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 1 point for the Cash Back special categories on the Platinum uChoose Rewards VISA Credit Card, Business Premier VISA Credit Card, and the Debit Rewards Checking Account, with the exception of the Debit Reward Checking Account’s 0.33% all other purchases category, which are tracked as points and each $1 in Cash Back rewards earned is equal to 0.33 points. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. You may also see, "points" or "uChoose Rewards points" when referring to the points you can use. In order to redeem Cash Back rewards, a minimum of 1,500 points is required for all three account types.