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Synergy Pays:

¹APY = Annual Percentage Yield. APYs accurate as of 11/21/23. Rates may change after account is opened. Minimum to open is $100 for Synergy Pays. Qualifications to earn rewards during each Monthly Statement Cycle include: at least one direct deposit or Automatic Payment (ACH) must post and settle, be enrolled in and agree to receive eStatements, and at least twelve debit card purchases must post and settle. For Synergy Pays, if qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during statement cycle will be reimbursed up to a maximum total of $45 per month and credited to account on the last day of the monthly statement cycle; (2) balances up to $15,000 receive APY of 2.25%; and, (3) balances over $15,000 earn 0.75% interest rate on the portion of the balance over $15,000, resulting in 2.25%-0.75% APY depending on the balance. If qualifications are not met on Synergy Pays, all balances earn 0.05% APY. Qualifying transactions must post and settle to Synergy Pays account during monthly statement cycle. Transactions may take one or more business days from the date transaction was made to post and settle to the account. ATM-processed transactions and intra-bank transfers between accounts do not count towards qualifying transactions. “Monthly Statement Cycle” means a period ending on the third Wednesday of each month. Contact us for more information.

²All new accounts are subject to a $10.00 early closure fee if the account is closed within 180 days of opening the account.

Carefree Checking:

¹All new accounts are subject to a $10.00 early closure fee if the account is closed within 180 days of opening the account.

Synergy Select Checking:

¹Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

²Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

³All new accounts are subject to a $10.00 early closure fee if the account is closed within 180 days of opening the account.