To earn rewards each monthly qualification cycle, you must meet the following qualifications:

• Have at least 12 debit card transactions post and clear
• Access Home Banking (online banking)
• Have at least one direct deposit post and clear
• Receive e-statements

Qualification Cycle Dates:

Each of the United Rewards checking qualifications must be met during the monthly qualification cycle.  Transactions must post and clear during these dates in order for members to receive a higher rate of interest and any ATM fee reimbursements.

The qualification cycle ends on the day before the last calendar day of each month.

*2.75% Annual Percentage Yield (APY) paid on balances between one penny to $10,000, and 0.25% APY paid on all amounts of $10,000.01 and above each monthly qualification cycle the minimum requirements are met. If you do not meet the requirements each qualification cycle, your account will still earn our base rate of 0.05% APY; however, you will not receive ATM refunds for that time period.  Rates effective as of March 1, 2012. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge. Fees may reduce earnings. Interest will be paid the last business day of the following month. **ATM fee reimbursements up to $20 per cycle are provided only if qualifications are met within the monthly qualification cycle. Qualifying transactions must post and clear the account during the business cycle. Transactions may take one or more business days from the transaction date to post an account from the date transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.