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Kasasa Cash:

*APY=Annual Percentage Yield. APYs accurate as of 08/19/2020. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn 1.4898% interest rate with an APY of 1.50%; and (3) balances over $10,000 earn 0.3494% interest rate on portion of balance over $10,000, resulting in range from 1.50% to 0.4458% APY depending on the balance. The blended APY is calculated using a balance of $110,000. If qualifications are not met, all balances earn 0.03% interest rate with a 0.03% APY. Rates and rewards may change after accounts are opened. Interest is paid on collected funds. Qualifying transactions must post and settle to account during Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Citizens Guaranty Bank as ATM transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current Statement Cycle through one day prior to the close of the current Statement Cycle. "Statement Cycle" means the period of time for which Citizens Guaranty Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. The statement cycle ends on the third Wednesday of the month. We reserve the right to require at least seven business day’s written notice of a withdrawal. Nationwide and Domestic ATM fees are fees incurred within the United States of America. If the account is closed, you will forfeit any rewards that have not been credited to your account. See Miscellaneous Fee Schedule for fees that may apply to this account. Fees may reduce the earnings on this account. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. A limit of one (1) Kasasa Product per primary account holder's social security number.

1Please note that internet provider charges may apply.

2Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.

Kasasa Cash Back:

*Minimum to open is $25. Qualifying transactions must post and settle to account during Monthly Qualification Cycle. When monthly qualifications are met, you receive 4.00% cash back on debit card purchases that post and settle to account during Monthly Qualification Cycle. Qualifying transactions must post and settle to account during Monthly Qualification Cycle to receive up to total cash back of $8.00 per Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. Rates and rewards may change after accounts are opened. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Citizens Guaranty Bank as ATM transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current Statement Cycle through one day prior to the close of the current Statement Cycle. "Statement Cycle" means the period of time for which Citizens Guaranty Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. The statement cycle ends on the third Wednesday of the month. See Miscellaneous Fee Schedule for fees that may apply to this account. Domestic ATM fees incurred during Monthly Qualification Cycle will be reimbursed if qualifications are met within Monthly Qualification Cycle. If the account is closed, you will forfeit any rewards that have not been credited to your account. Nationwide and Domestic ATM fees are fees incurred within the United States of America. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. A limit of one (1) Kasasa Product per primary account holder's social security number.

1Please note that internet provider charges may apply.

2Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.

Citizens Checking:

$25 minimum deposit to open. No minimum balance required.

1Avoid a $5 monthly maintenance fee if you: Transactions must post and settle, ATM and ACH excluded. Applicable to point of sale transactions. 1) Make 6 or more debit card transactions per statement cycle; 2) Sign up and agree to receive eStatements or online statements.

2Early closeout fee applies within 180 days of opening: $32.95.

3Please note that internet provider charges may apply. Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.

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