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MoneyMaking Checking:

1APY=Annual Percentage Yield. APYs accurate as of 10/20/2019

Rates may change after account is opened. Minimum to open is $10. Minimum to earn APY is $.01. Fees could reduce the earnings on the account. 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 $25,000 receive APY of 2.01%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 2.01% - 0.60 % APY depending on the balance in the account. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle MoneyMaking Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions.

The "Monthly Qualification Cycle" means a period beginning the 3rd Wednesday of the month and ending the business day prior to the 3rd Wednesday of the next month.

The advertised MoneyMaking Checking APY is based on compounding interest.

The MoneyMaking Checking account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. Transfers between accounts do not count as qualifying transactions. No monthly service fee. Available for personal accounts only. Limit one account per tax owner.

2Mobile banking is free but check with your carrier about fees for accessing the internet or sending/receiving text messages from your phone. Not all phones supported.

CashBack Checking:

1APY=Annual Percentage Yield. APYs accurate as of 10/20/2019

1Minimum to open is $10. When monthly qualifications are met, you receive 10¢ for every "PIN-based" Monson Savings Bank debit card purchase transaction, 20¢ for every "signature-based" Monson Savings Bank debit card purchase transaction, and 10¢ for every bill paid through our online bill pay service, up to a total cash back of $10 per monthly statement cycle, posted to your account on the last day of the your statement cycle. We will also reimburse up to a total of $10 in domestic ATM fees incurred during the statement cycle if qualifications are met within the monthly statement cycle. Qualifying transactions must post to and settle account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM processed transactions and transfers between accounts do not count as qualifying transactions for purposes of earning rewards within this account. Cash Back rewards are subject to 1099 tax reporting. No monthly service charge. Available for personal accounts only. Limit one account per tax owner.

2Mobile banking is free but check with your carrier about fees for accessing the internet or sending/receiving text messages from your phone. Not all phones supported.

Student Checking:

1APY=Annual Percentage Yield. APYs accurate as of 10/20/2019

1Minimum to open is $10. To earn nationwide ATM fee refunds each month, each statement cycle you must be enrolled in and agree to receive eStatement notice. If you have met your ATM Fee Refunds qualifications for the month, nationwide ATM fees posted to your checking account during the statement cycle will be reimbursed and credited to the account on the last day of the monthly statement cycle. ATM fee refunds may be subject to 1099 tax reporting. If under 18, requires a parent or legal guardian to be a co-signer on the account.

2Mobile banking is free but check with your carrier about fees for accessing the internet or sending/receiving text messages from your phone. Not all phones supported.