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Freedom Rewards Checking:

*To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice; and (3) Be enrolled and log into online banking.  If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle;  ATM transactions do not count as debit card transactions for qualification purposes. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking are automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

**ATM owner/operator fees may apply to ATMs out of network.

Freedom Checking:

*ATM owner/operator fees may apply to ATMs out of network.

Traditional Checking:

*ATM owner/operator fees may apply to ATMs out of network.