Checking Accounts

Disclosures

1) When your Peak Rewards Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Peak Rewards Checking account earn a dividend rate of 3.928% resulting in an APY of 4.00%; and daily balances over $10,000 earn a dividend rate of 0.01% on the portion of the daily balance over $10,000, resulting in a range from 4.00% to 0.37% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Peak Rewards Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 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.

When your Peak Rewards Checking qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.01% APR, resulting in an annual percentage yield of 0.01% APY and ATM withdrawal fees are not refunded.

2) “Monthly Qualification Cycle” is defined as a period beginning the first day of the current statement cycle and ending the close of the current statement cycle. Contact one of our member service representatives for specific Monthly Qualification Cycle dates.

When monthly qualifications are met, you will receive 2.50% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions.

3) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

4) Individual ATMs may charge a surcharge. We do require a current photo ID to open Golden Cache Checking — so please bring it with you when you come in to open your account.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open these accounts.

Monthly automatic payments (ACH) and enrollment in online banking are conditions of these accounts. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Peak Rewards Checking account is required to have a Peak Rewards Savings account. A linked Peak Rewards Plus Checking account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.