It's in Your Best Interest.

1. TruRate: Annual Percentage Yield (APY) effective 10/1/26. Rates subject to change, including after account opening. APY Tiers: Balances less than $20,000 earn 4.00% APY if requirements are met and any balance portion more than $20,000 earns 0.10% APY. To earn the highest yield, member must maintain active TruStone Visa credit and debit cards with 12 combined transactions per month of at least $5 each and enroll in eStatements. If any of the requirements are not met in a given month, the APY reduces to 0.01% on entire balance. A $10 monthly fee will be assessed if the daily balance falls below $2,000. Limit one account per household. Fees may reduce earnings. TruRate checking is available for personal accounts only.

2. Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the day they are earned. See Rewards Rules and Rewards Terms and Conditions for details.

3. Early access to funds is based on the timing in which we receive and process the direct deposit. We generally make these funds available on the day the payment file is received, which may be up to two days before the scheduled payment due date.

4. Overdraft options:

You may opt out of Overdraft Protection and Overdraft Privilege at any time by calling us at 800.862.1998, or stopping by a branch.

Overdraft Protection is free to use and includes savings and line of credit transfers. Subject to credit approval. See terms and conditions for minimum withdrawal and available balance requirements.

Overdraft Privilege is $30 per overdraft. There is a limit of five overdraft fees we will charge you for overdrawing your account per day. The amount of any overdraft including fees you owe us shall be due and payable immediately. We may elect not to pay items under Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 30-day period for a minimum of 24 hours, if you default on any loan or other obligation to TruStone Financial or if your account is subject to any legal or administrative levy. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.

• Standard Coverage includes ACH, checks, recurring debit card, online bill pay, teller window and internet/phone transactions.
• Extended Coverage (Must opt in) includes ATM and one-time debit card transactions, in addition to transactions covered under Standard Coverage. Extended Coverage Overdraft privilege does not apply to minor accounts, trust accounts, special accounts and HSAs.

*Bundled Benefits Terms and Conditions

Eligibility: Bundled Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

5. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents can be found on TruStone Digital Banking or at trustone.clubchecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

6. Available for the primary account holder and their joint account holder(s). This is not insurance.

7. Telehealth services are provided by independent, licensed healthcare providers for eligible medical needs, subject to provider availability, program terms, and clinical appropriateness. Treatment decisions, including whether to issue a prescription, are made solely by the treating provider. A provider may determine that an in-person examination or evaluation is more appropriate. Telehealth services are intended to complement, not replace, in-person healthcare. Access to the Services may be limited, suspended, modified, or discontinued in accordance with the program terms.