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Introducing an entirely new way to
Hit Your Savings Goals!

We've matched Smart Checking with Smart Saver to help your savings grow.

You already know that Smart Checking is a great free checking account that rewards you with a high rate of interest and other benefits if you meet the monthly qualifications. Now, Smart Saver can help you save by earning .20% APY on your savings balance when your Smart Checking qualifications are met.

Plus, the interest from your Smart Checking Account and the ATM fee refunds will be automatically transferred to your Smart Saver Account to help you save even more each month. These great benefits make it a perfect match:

  • Separation of Funds - with the two accounts, you can handle the daily expenses with their checking account, and keep your savings for a rainy day!
  • Earn even more interest- Earn a higher blended rate of interest on the entire balance.
  • Your savings will grow even faster - with the automatic deposits from the interest and ATM fee refunds

So, the bottom line is...each month you meet the qualifications on Smart Checking, your checking account will earn the 2.05% APY on balances up to $10,000, and your Smart Saver account will earn .20% APY interest.

But don't worry if the qualifications are not met for a month, both accounts will still earn .05% APY. Then they can start all over the next month to meet the qualifications, no penalty, no extra cost!

Start hitting your savings goals! Stop in today to open your new Smart Checking Plus Smart Saver Account!

To find out more go

Annual Percentage Yield (APY) accurate as of June 22, 2013. Minimum to open account is $100. Rate tiers are as follows: Smart Checking - Rate tiers are as follows: 2.05% APY applies to balances of $.01 - $10,000 and .10% APY paid on balances over $10,000 as long as qualifications are met each statement cycle. Blended APY of .75% assumes a $30,000 balance. Smart Saver will earn .20% APY on balances $.01 - $25,000 and .10% APY on balances above $25,000. Blended APY of .18% assumes a $30,000 balance. APYs are based on a compounding period of one year. Smart Checking Plus Smart Saver customers have elected (by product definition) to transfer interest earned on Smart Checking to Smart Saver each month, thereby eliminating the compounding factor. An activated eStatement is a requirement and qualification for the account. If eStatements are not activated by the second statement cycle, the account will be converted to a Direct Checking Account. If you do not meet the qualifications during the monthly qualification cycle, both accounts will earn .05% APY and you will not receive ATM refunds for that time period. Rates are subject to change.

Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. Fees may reduce earnings. Available on personal accounts only. Limit one account per customer. Online banking sign-on qualification valid only through personal online banking. ATM fee refunds up to $5 per transaction. Refund includes Bank waived foreign ATM fee of $2, plus an additional refund up to $3 for ATM surcharges applied by other institutions.



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