Payback Rewards Checking

Bonus Information:
As a bonus to individuals who open and fund a new Payback Rewards Checking account, our credit union will refund up to an aggregate total of $30 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Payback Rewards Checking debit card that post and settle to the account within the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $30 posts and settles to your account. No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account. Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.

Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.UnitedOne.org or call (920) 684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
Depending on what Rewards Checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

High Yield Checking: you will receive 5.00% APY* on balances up to $7,500.00 balances over $7,500.00 will receive .10% APY. Earn 5.00% to 0.44% APY on balances over $7,500.00 depending on balance in account*. Earn 0.03% APY* if qualifications aren't met during the Monthly Qualification Cycle.

Cash Back Checking: you will receive 5.00% cash back on up to a total of $300 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per Monthly Qualification Cycle.

Payback Rewards Checking: you will receive up to an aggregate total of $15 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Payback Rewards Checking debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.

You will receive reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within your High Yield Checking, Cash Back Checking or Payback Rewards Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Depending on your Rewards Checking account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:

Dividends will be credited to your High Yield Savings account on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Savings account on the last day of the current statement cycle.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit, ACH payment or Bill Pay are a condition(s) of Cash Back Savings linked Cash Back Checking or Payback Rewards Checking account(s). There are no recurring monthly maintenance charges or fees to open or close this account. A Cash Back Checking or High Yield Checking account is required to have a Cash Back Savings account or High Yield Savings account. A linked Cash Back Savings account or High Yield Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.

Trademarks:
iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.

Courtesy Pay
^^Courtesy Pay is a discretionary service, not a right or obligation. UnitedOne Credit Union may pay overdrafts at its sole discretion and can discontinue this service at any time without prior notice. All overdraft amounts, including fees, are due and payable upon demand.

Members are required to bring their account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. This is part of maintaining the account in good standing, which is necessary for continued eligibility for Courtesy Pay overdraft services.

Circumstances When the Credit Union Will Not Pay an Overdraft

• The institution will not pay an overdraft if the account is not in good standing, which includes:
  • Failing to bring the account to a positive balance within the required time frame.
  • Being in default on any loan or other obligation to the institution.
  • Being subject to any legal or administrative order or levy.
  • The account is in dormant status.
  • The account is a minor, Not-for-Profit, or Public Funds account.
• Payment of overdrafts is a discretionary courtesy, not a right or obligation. The institution may cease paying overdrafts at any time without prior notice or reason, at its sole discretion

For complete terms, conditions, and eligibility requirements, please refer to your Membership and Account Agreement and the Courtesy Pay Disclosure. Payment of overdrafts is never guaranteed.