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Disclosures:

1. Your mobile carrier's text messaging and web access charges may apply.
2. Free to primary account holder only. Primary account holder is defined as the person whose name appears first on the account. Free identity theft protection is not available for myRewards Student Checking.
3. Non-Commerce ATM transactions will incur a Commerce fee. However, for a limited time, with myOops Card you can obtain a refund for 5 of these. Other bank’s ATM fees may apply. Overdraft fee refund limited to the fee associated with one transaction that overdraws your account.
4. To qualify for the annual matching deposit Reward, you must maintain a myRewards Checking account and make 11 consecutive monthly deposits and 4 or fewer withdrawals per year, per myRewards Savings account. Total matching Reward determined by adding the average monthly deposit during the previous 11 months for each myRewards Savings account, per household, per year, on up to 5 myRewards Savings accounts. Maximum matching Reward $50 per account, maximum total matching Reward $100 per year. Reward credited annually starting in the 12th month after the first deposit. Annual Percentage Yield as of 4/6/2020 is 0.10% as of 4/6/2010. Incentive of $10 or greater reported as interest to the IRS.
5. To be eligible for the bonus Reward, you must maintain a myRewards Checking account. We will pay an annual Reward of 0.5% of the average collected month end balance in your myRewards Money Market account for the previous 12 months, up to a maximum of $200. Reward credited the 13th month after account anniversary, and annually thereafter. Annual Percentage Yield is 0.10% as of 4/6/2010. Incentive of $10 or greater reported as interest to the IRS.

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• Deposit Agreement & Disclosures