Freedom Boost Checking Truth in Saving Disclosure

This Freedom BOOST Checking Account is intended for personal use only. Daily minimum balance tiers are used to determine interest bearing eligibility. If the account maintains a daily minimum balance of $1,000.00 the account is exempt from the $10.00 monthly service charge. If the account meets the reward criteria mentioned below, the daily balance will earn the stated Tier One BOOST rate. If the reward criteria are not met, it will receive the stated Tier Two rate on the daily balance in the account.

Qualify for the BOOST up to 2.00% APY on your first $25,000.00 by meeting the Freedom BOOST reward criteria:
1. Minimum of fifteen (15) posted VISA® Debit Card POS Transactions by the last business day of each month
2. AND TWO of the following additional criteria:
     a) One (1) or more posted Direct Deposit(s) - minimum of $1,000.00 monthly (cumulative - e.g. could have two (2) that are $500.00 each)

     b) Two (2) or more posted Automatic Clearing House (ACH) Debits (excluding electronic checks) monthly

     c) Automatic Scheduled Installment Payment to an ECB Loan

This account type is limited to one per primary account holder. To receive paper statements for this account, a service charge of $3.00 per statement cycle will be charged. To receive eStatements and waive the paper statement fee, the account owner must enroll in eStatements using their Online Banking login credentials. The minimum opening deposit for this account is $100.00. See our rate sheet for the current APY. The APY is variable and eligible to change on the 1st business day of each month. Interest earned will be paid to the account monthly. If you close the account before interest is credited, you will not receive the accrued interest.

Please see Miscellaneous Fees and Charges for a full list of the associated fees and charges specific to this account.