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Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in eStatements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. No minimum balance after account opening. Fees could reduce the earnings on the account and a monthly inactivity fee may be assessed if account becomes dormant. One account per Member. [2] Bonus rate require an open Ultra checking account with a positive balance. [3] Bonus rate of 0.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. [4] For closed-end, fixed-rate consumer loans, includes auto loans, other vehicle loans, and signature loans. Does not include real estate-secured loans. [5] ATM foreign surcharge fees will be refunded monthly up to $25/month; excludes international ATMs, balance inquiry, and ATM deposit fees. Members must meet the following monthly requirements to earn ATM foreign surcharge fee refunds: (a) enrollment in eStatements; (b) direct deposit or 1 ACH per month; and (c) 10 signature-based (non-PIN) debit card transactions posted to your Ultra Checking account per month. [6] Apple and the Apple Pay^® logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play™ and the Google Play logo are trademarks of Google Inc. [7] Click here for Courtesy Pay disclosures