Total Rewards Checking

• Earn 0.80% APY* on balances up to $15,000
• Earn 0.15% APY* on balances over $15,000
• Earn 0.05% APY* each month qualifications aren't met
• No monthly fees
• No minimum balance to earn rewards
• Free ATM fee refunds (up to $20)**
• Free online banking with bill pay
• Free eStatements
• Free telephone banking
• Direct deposit available
• Overdraft protection available
• Minimum Balance to open $50 checking : $200 savings
• FDIC insured up to $250,000

Qualifications

Enjoying the benefits of these two accounts is easy. Chances are, you're meeting the qualifications without even knowing it. Each monthly qualification cycle you'll need to meet the following qualifications:

• Have at least 10 debit card purchases post and clear
• Have at least 1 automatic payment or direct deposit post and clear
• Receive eStatements

And if for some reason you don't qualify one month, you still get our base rate of interest and unlimited free checking. And you can get the rewards back the very next month.

_{*Minimum to open Total Rewards Checking account is $50 and $200 for Total Rewards Savings. Total Rewards Checking rate tiers are as follows: 0.80% APY applies to balances of $0.01 - $15,000 and 0.15% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.80% APY – 0.15% APY if qualifications are met. The APY assumes that Total Rewards Checking interest is not compounded when linked to Total Rewards Savings, because the interest is automatically transferred to the Total Rewards Savings account at the end of the monthly qualification cycle. The interest from the Total Rewards Checking account transfers to the Total Rewards Savings account, whether the qualifications are met or not. Qualifying transactions must post and clear to the Total Rewards Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. Total Rewards Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01 - $50,000 and 0.15% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the Total Rewards Checking account. 0.05% APY applies to all balances if qualifications are not met on the Total Rewards Checking account. All balances will earn 0.50% APY – 0.15% APY if qualifications are met on the Total Rewards Checking account. Annual Percentage Yield (APY) accurate as of 09/19/11. Rates may change after the account is opened. Fees may reduce earnings. Available to personal accounts only. One account per household. We reserve the sole discretionary right to refuse to open an account or close an existing account for any reason.}

_{**ATM Fee reimbursements (Total Rewards Checking account only / includes a combination of both SBT's and other banks' fees for using another bank's ATM) up to $20 provided only if qualifications are met within the monthly qualification cycle.}