¹Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest.

³Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year. Account balance must be $0.01 or greater to receive the birthday reward. 

⁶Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply.

⁷Parents/guardians cannot register for Bill Payment until the minor is of the age of 18.

⁹Zelle^® is available to parents/guardians in all stages of the account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest.

⁴In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 

⁵The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250.00 maximum with the parent/guardian present. 

⁶Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply.

⁷Parents/guardians cannot register for Bill Payment until the minor is of the age of 18.

⁸Mobile Deposit Limits change based on the benefit category: 

• Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period;  
• Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period;  
• Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. 
• Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement.

⁹Zelle^® is available to parents/guardians in all stages of the account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest.

⁴In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 

⁵The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250 maximum with the parent/guardian present. 

⁶Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply.

⁷Parents/guardians cannot register for Bill Payment until the minor is of the age of 18.

⁸Mobile Deposit Limits change based on the benefit category: 

• Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period;  
• Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period;  
• Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. 
• Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement.

⁹Zelle^® is available to parents/guardians in all stages of the account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹Initial account opening bonus match will be deposited during account opening and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest.

⁴In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 

⁵The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250.00 maximum with the parent/guardian present. 

⁶Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply.

⁷Parents/guardians cannot register for Bill Payment until the minor is of the age of 18.

⁸Mobile Deposit Limits change based on the benefit category: 

• Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period;  
• Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period;  
• Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. 
• Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement.

⁹Zelle^® is available to parents/guardians in all stages of the account. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹⁰Building Up will automatically convert to a Free Checking on the 24th birthday.