Personal Banking Services

Whether you have a Kasasa Cash or a Kasasa Cash Back account, the qualifications to earn the rewards are the same. To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least one direct deposit, ACH payment, or bill pay transaction(s)
• At least twelve debit card purchases, and
• Be enrolled in online banking and have agreed to receive e-statements rather than paper statements.

All Kasasa accounts: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. No minimum balance is required to open the account, or earn or receive the account's rewards. Rates and rewards are variable and may change after account is opened. Fees could reduce earnings. Kasasa accounts are not to be used for commercial purposes. Limit of one Kasasa Cash or Kasasa Cash Back account, and one Kasasa Saver account per social security number.

Kasasa Cash: When your Kasasa Cash qualifications are met during a Monthly Qualification Cycle, average balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 2.95% resulting in an APY of 2.99%; and average daily balances over $15,000 earn an interest rate of 0.10% on the portion of the average daily balance over $15,000, resulting in a range from 2.99% to 0.48% APY depending on the account's average daily balance. You will receive reimbursements up to $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. ATM withdrawal fee refund per transaction is $4.99. When your Kasasa Cash account qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.01% resulting in an APY of 0.01% and ATM withdrawal fees are not refunded. Interest and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash account will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you have a Kasasa Saver account linked to your Kasasa Cash account, interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver Account within one business day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when the transfer occurs. Rates are variable and may change after account is opened.

Kasasa Cash Back: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. ATM withdrawal fee refund per transaction is $4.99. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. If you have a Kasasa Saver account linked to your Kasasa Cash Back account, rewards earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Kasasa Saver: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average balances up to and including $25,000 in your Kasasa Saver account earn an interest rate of 1.99% resulting in an APY of 2.01%; and average daily balances over $25,000 earn an interest rate of 0.10% on the portion of the average daily balance over $25,000, resulting in a range from 2.01% to 0.48% APY depending on the account's average daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the interest rate earned on the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.01% resulting in an APY of 0.01% APY. Interest earned in your Kasasa Saver account will be credited to your Kasasa Saver account on the last day of the current statement cycle. A Kasasa Cash, or Kasasa Cash Back account is required to have a Kasasa Saver account. Rates are variable and may change after account is opened.

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