INTEREST CHECKING NOTES
The minimum to open an account is $100.
1 Limit one Interest Checking Account per Social Security Number. Minimum to open $100. Monthly Qualification Cycle means a period beginning on the first day of the month and ending on the last business day of the month. To qualify for Interest Checking rates and receive ATM reimbursements, you must perform the following during the monthly qualification cycle: (a) Have at least 20 POS (Point of Sale) debit card transactions that are $5.00 or greater post and settle to your account (excluding ATM transactions) (b) Have at least a cumulative total of $500.00 or more in direct deposit or have at least a cumulative total of $500.00 or more in automatic payments post and settle to your account. If Interest Checking qualifications are met each monthly qualification cycle: the Annual Percentage Yield (APY) listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. Tier 1: 1.25% APY for daily balance up to $15,000.99 and Tier 2: daily balance range greater than $15,000.99 will range from 1.25% APY to 0.15% APY. If qualifications are not met, the entire balance earns 0.01% APY. Fees may reduce earnings and rates may change at any time. Interest is compounded monthly and credit to account monthly. Pending transactions do not count toward qualifying transactions. All qualified transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to your account. Automated Teller Machine (ATM) processed transactions do not count toward qualifying debit card transactions.
2 The bank will automatically credit your account to reimburse you for domestic ATM fees up to $15 per month. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the monthly qualification cycle in which the reimbursement was applicable. ATM receipt must be given to us in order to be reimbursed for any individual ATM fee of $5.00 or more.
3 Direct deposits include payroll, Social Security, and other government benefits, and tax refunds.
PERKS NOTES
1 Cell phone protection up to $400 per claim, maximum $800 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the Benefits Reference Guide.
2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
3 Billshark, Financial Wellness, Pet Insurance, and Medical Bill Negotiation each require additional activation to begin. Refer to the Benefits Reference Guide for further details.
4 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by BankFirst, each of which may be lower. To activate, you will need to have online banking with BankFirst. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.
5 Roadside Assistance covered service charges include: Towing assistance; Battery service; Flat tire assistance; Fuel, oil, fluid and water delivery service; Lock-out assistance; Collision assistance; and Extrication assistance.
6 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.