*Rate effective 02/09/23. Qualification Information: Have at least one direct deposit, one automatic ACH transaction, or bill pay transaction post and settle; have at least 12 Country Bank debit card purchases post and settle; and be enrolled in and agree to receive e-Statements. 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Free Kasasa Cash Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last processing day of the current statement cycle. Free Kasasa Cash Checking: (1) An interest rate of 0.75% will be paid on the portion of your daily balance that is less than or equal to $20,000 and the non-compounding Annual Percentage Yield  (APY)* for this tier is 0.75%; and balances over $20,000 earn 0.05% interest rate on the portion of balance over $20,000, resulting in a non-compounding APY for this tier ranging from 0.75% to 0.17% APY* depending on the account’s balance and (2) you will receive reimbursements up to $9.99 per transaction, with an aggregate of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions on your Free Kasasa Cash Checking account, and incurred during the Monthly Qualification Cycle in which you qualified.   If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Kasasa Saver: An interest rate of 0.75% will be paid on the portion of your daily balance that is less than or equal to $100,000, and the APY for this tier is 0.75%; and balances over $100,000 earn 0.10% interest rate on the portion of your daily balance over $100,000 resulting in an APY for this tier ranging from 0.75% to 0.43% depending on the account’s balance. When Free Kasasa Cash Checking qualifications are not met the following interest rate and APY apply: Free Kasasa Cash Checking; the interest rate paid on the entire balance will be 0.05% with a non-compounding APY* of 0.05%, and ATM fees will not be refunded. Kasasa Saver; the interest rate paid on the entire balance will be 0.10% with an APY  of 0.10%.

**When linked to the Kasasa Saver account, the interest earned within the Free Kasasa Cash Checking account does not compound since it is automatically transferred to the Kasasa Saver. This automatic transfer may cause an overdraft to your Free Kasasa Cash Checking account if the account’s balance is less than the transferred amount when the transfer occurs.

Rates and rewards are variable and may change after account is opened. ATM fee reimbursements may be tax reportable, please consult your tax advisor. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $10.00 minimum deposit is required to open the Free Kasasa Cash Checking account. $10.00 minimum deposit is required to open the Kasasa Saver account. Limit 1 account per social security number. A linked Kasasa Saver account is required for automatic savings. If the Kasasa Cash Checking account does not meet the monthly qualifications within four consecutive Monthly Qualification Cycles the account will be converted to a Free Checking account. If a Kasasa Saver is linked to the Kasasa Cash Checking, the Kasasa Saver will be converted to a Free Statement Savings account. Contact the Customer Care Center for additional information. Member FDIC /Member DIF. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.