Great Rate Checking + Savings

Some things just go way better together. Like our free Great Rate Checking and our free Great Rate Savings account.

Put them together, and the 4.01% APY* from your Great Rate Checking automatically goes in your Great Rate Savings account each month.

Plus, the balance in your Great Rate Savings account also earns 2.01% APY*! There's no minimum balance to worry about on either account. So we're actually giving you money and helping you save!

Watch a video about how Great Rate Checking + Savings work together!

Benefits from your Great Rate Checking that are deposited into your Great Rate Savings account automatically:

• 4.01% APY* on balances up to $15,000
• 1.01% APY* on balances over $15,000
• 0.10% APY* base rate if qualifications aren't met

Benefits from your Great Rate Savings:

• 2.01% APY* on balances up to $35,000
• 1.01% APY* on portion of balance above $35,000
• 0.10% APY* base rate if qualifications aren't met
• Linked to your Great Rate Checking account

Enjoy these benefits on BOTH accounts:

• No minimum balance
• No monthly fees
• ATM refunds up to $50 per cycle
• Interest is accrued daily, credited monthly
• Free Online Banking
• FDIC insured
• Unlimited check writing
• Free e-Statements
• Direct Deposit available
• Minimum deposit to open is $100 (no minimum thereafter)

*APY = Annual Percentage Yield

There are no minimum balance requirements, but you do have to have an existing (or open a new) Great Rate Checking account with Bank 2.

You'll love how easy it is to benefit from our free Great Rate Savings account by just meeting these 4 easy qualifications on your Great Rate Checking account each statement cycle:

• Make 12 check card purchases
• Access online banking
• Receive monthly eStatements
• Have one Electronic Funds Transfer (EFT) or ACH Direct Deposit

You only have to meet the qualifications once each statement cycle. Qualifying for the Great Rate Checking features automatically qualifies you for Great Rate Savings.

If you do not meet the qualifications one cycle, your Great Rate Savings account is still free and earns 0.10% APY* on the entire balance.

*APY = Annual Percentage Yield

Qualification Cycle Calendar

Qualification Cycle - Qualifications must be POSTED

July - Thursday, August 5, 2010

August - Thursday, September 2, 2010

September - Tuesday, October 5, 2010

October - Thursday, November 4, 2010

November - Friday, December 3, 2010

December - Wednesday, January 5, 2011

January - Thursday, February 3, 2011

February - Thursday, March 3, 2011

March - Tuesday, April 5, 2011

April - Thursday, May 5, 2011

May - Friday, June 3, 2011

June - Tuesday, July 5, 2011

*Statements will cycle the following Business Day

Annual Percentage Yield (APY), Rate Tiers and Qualifications for APY: Annual Percentage Yield (APY) is accurate as of 2/8/2010. Rates are subject to change after the account is opened. Minimum to open account is $100. Rate Tiers are as follows:

• Great Rate Checking2 - 4.01% APY applies to balances of $.01 - $15,000 and 1.01% APY on balances over $15,000 as long as qualifications are met each Qualification Cycle (see the Bank's Web site for full Qualification Cycle details). 0.10% APY applies to all balances if qualifications are not met. All balances will earn 4.01% APY to 1.01% APY (blended yield on balances over $15,000) as long as all qualifications are met.
• Great Rate Checking - 4.01% APY applies to balances of $.01 - $15,000 and 1.01% APY on balances over $15,000 as long as qualifications are met each Qualification Cycle (see the Bank's Web site for full Qualification Cycle details). 0.10% APY applies to all balances if qualifications are not met. All balances will earn 4.01% APY to 1.01% APY (blended yield on balances over $15,000) as long as all qualifications are met.
• Great Rate Savings – 2.01% APY applies to balances of $.01 to $35,000 and 1.01% APY on balances over $35,000 as long as qualifications are met each Qualification Cycle. 0.10% APY applies to all balances if qualification are not met each Qualification Cycle. All balances will earn 2.01% APY to 1.01% APY (blended yield on balances over $35,000) as long as all qualifications are met. No minimum balance is required to obtain the advertised APY. Fees may reduce earnings.

Account Qualifications per Qualification Cycle to receive the advertised APY are: 12 Point of Sale (POS) transactions, 1 ACH credit, customer must elect to receive e-statements, and the customer must access the account via Internet banking at least once during the Qualification Cycle. Lost, damaged, expired or stolen check cards do not alleviate the requirements for qualification for any Qualification Cycle.

ATM Fees – ATM fees charged will be refunded up to $50 incurred per Qualification Cycle on the last day of the statement cycle only for accounts meeting account qualifications.

This account is restricted to personal or sole-proprietorships. Qualifications and rate tiers are subject to change with proper notice.