AddVantage^SM Checking

¹Eligibility: AddVantage is only available to personal banking customers. Business entities, including DBAs, are not eligible for this account. Business accounts will not be included in the combined balance calculation. Enrollments are limited to owners of the AddVantage account. Each owner can be on only one AddVantage checking account. The Tax ID of the AddVantage account owner(s) will be the basis for combining qualifying balances. Other accounts with a matching Owner Tax ID will be combined with the AddVantage account for qualifying tier balances. eVantage checking and High-Yield Savings Account balances will not be included in the calculation of the qualifying average daily balance. Monthly service charge of $20.00 is waived if you maintain a minimum qualifying average daily balance of $10,000.00. Accounts can be used in only one AddVantage Checking Account package to calculate the qualifying average daily balance. Only the actual AddVantage account will receive account-level benefits. Other benefits, such as special rates on CDs and safe deposit discounts, are available only to AddVantage account owner(s).

²New and existing CDs will receive a rate boost, if eligible. The rate boost will not be applied to existing CDs mid-term. Existing CDs will receive the eligible rate boost at renewal. New CDs will receive the rate boost at account opening. The Silver tier (qualifying balances $10,000 to $74,999.99) will receive 0.05% APY more than current advertised CD rates while the Gold tier (qualifying balances $75,000.00 and up) will receive 0.10% APY more than the current advertised CD rates.

³Nationwide ATM surcharges assessed to your account will be rebated monthly, up to a maximum of $10.00 per statement cycle for Silver tier (qualifying balances of $10,000.00-$74,999.99) or $25.00 per statement cycle for Gold tier (qualifying balances of $75,000.00 and up).

⁴Annual 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. Additional account information available upon request.

⁵Qualifying Average Daily Balance: The qualifying average daily balance is the total of average daily balances for the AddVantage Checking Account and any other eligible personal deposit accounts that have an account owner with the same Tax Identification Number (TIN) as the AddVantage Checking account owners’ TINs. The qualifying average daily balance period begins three processing days before the first day of the monthly statement period and ends three processing days before the last day of the monthly statement period. Processing days are defined as Monday through Saturday, and exclude Sundays and bank holidays. Please note that if your daily balance in your AddVantage Checking account falls below $10.00 any day during the statement cycle, you will not earn interest on your AddVantage Checking account that day.