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*^{^†◊}For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 Debit card purchases with a minimum purchase of $3 per transaction that post and settle your account (person to person payments and monetary funds transfers are not eligible transactions); 2) have at least one (1) ACH Debit Payment or eDCU BillPay transaction(s) post and settle; 3) be enrolled in and log in to Online Banking monthly. Monthly receipt of electronic statements are a condition(s) of this account. The monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through the end of one business processing day prior to the close of the current statement cycle. Account transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. See our website or contact one of our member service representatives for specific Monthly Qualification Cycle and Statement Cycle dates. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, debit card purchases that do not meet the minimum purchase requirement of $3 per transaction that post and settle your account; and purchases made with debit cards not issued by our credit union. Kasasa Saver Savings and Kasasa Cash Checking are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. Each dividend rate will apply only to that portion of the account balance within each balance range if you meet the minimum qualification requirements. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yields as listed in the rate schedule will apply to the entire balance in your account. We reserve the right to convert the account to a different checking account if the account does not meet qualifications to earn rewards for 4 consecutive qualification cycles. If a Kasasa Saver is tied to the non-qualifying Kasasa Checking, the Kasasa Saver will be closed and funds transferred to the base share account. There is a limit of 1 Kasasa checking account per social security number. This account is intended to be the accountholder’s primary checking account in which day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for three dollars, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. evergreenDIRECT Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications for four (4) consecutive months, may have their Kasasa checking account converted to a different checking account or closed altogether. We have the right to close this account at any time, without notice to you. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. An evergreenDIRECT Credit Union check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa account, any optional add on products/services associated with this account will also be terminated at the same time. Kasasa, Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, Kasasa Eats Checking and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver Savings. The Kasasa Saver Savings account is a tiered rate account and is available only to holders of a Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account. If you meet the minimum qualification requirements for your Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account during the monthly qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply if your balance is $25,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is from $25,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Saver Savings account.

Kasasa Cash Checking. The Kasasa Cash Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply if your balance is $25,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is greater than $25,000.00. Each dividend rate will apply only to that portion of the account balance within each balance range. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, dividends earned on the Kasasa Cash Checking account and ATM fees refunded to you will automatically be transferred to your Kasasa Saver Savings account; in that event, dividends will not compound in the Kasasa Cash Checking account. If you do not have a Kasasa Saver Savings account, dividends earned and ATM fees reimbursed will remain in your Kasasa Cash Checking account and dividends will compound in your account as listed in the Rate Schedule. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Cash Checking account and ATM fees will not be refunded to you.

Kasasa Cashback Checking. For Kasasa Cashback Checking accounts, you will receive 3.00% cash back on purchases up to $250.00 in PIN-based/signature-based debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. A maximum of $7.50 cash back may be earned per monthly qualification cycle. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, cash back earned on your Kasasa Cashback Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned and fees refunded will remain in your Kasasa Cashback Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.

Kasasa Tunes Checking. For Kasasa Tunes Checking accounts, if you meet the minimum qualification requirements during the monthly qualification cycle, you will receive up to $10.00 in credit for purchases you make with your Kasasa Tunes Checking debit card at iTunes®, Amazon.com®, or Google Play®. These credits will be good for up to 30 days from the end of the qualification period. As a Sign Up Bonus, for the first 60 days from your account opening, provided you meet the qualification requirements, you may be reimbursed up to $20.00 for purchases that are made from iTunes, Amazon.com, or Google Play with your Kasasa Tunes Checking debit card and that post and settle to your account. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a Tunes reward and ATM fees will not be refunded to you.

Kasasa Play Checking. When your Kasasa Play account qualifications are met during a Monthly Qualification Cycle, you will earn refunds, up to a combined, aggregate maximum of $15 on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://www.kasasa.com/play-partners, that post and settle to the account during that cycle period. Your account's debit card may be used for any transaction, but the account's streaming services' refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to https://www.kasasa.com/playpartners -or visit one of our locations for a current list of Kasasa Play merchants. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Play merchants. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, refunds earned on your Kasasa Play Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned, and fees refunded will remain in your Kasasa Play Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.

Kasasa Eats Checking. When your Kasasa Eats account qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $300 in debit card purchases, made at grocery stores and food delivery services identified at https://www.kasasa.com/eatspartners, that post and settle to your account during that cycle period. A maximum of $15 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.kasasa.com/eats-partners or visit one of our locations for a current list of Kasasa Eats merchants. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Eats merchants. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, refunds earned on your Kasasa Eats Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned, and fees refunded will remain in your Kasasa Eats Checking. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.