Checking

Qualifying is easy! Simply sign up for estatements, use your debit card 12 times within the month, and have one ACH (electronic deposit or withdrawal) each month to earn 3.00% APY* on balances to $25,000 and ATM fee refunds up to $20 each month. And..., Each month you qualify in NGAGE Checking, your linked NGAGE Savings account will earn 1.50% APY* on balances to $25,000. If you don't qualify one month, don't worry, there is no fee & you will have another chance to qualify the following month. You will not earn rewards the month you do not qualify.

* NGAGE Checking Account: APY = Annual Percentage Yield. Enrollment in electronic documents (eStatements/eDocuments) is required to open and maintain an NGAGE Account. NGAGE Accounts do not have a monthly account maintenance charge. In the event a member does not have an eDocument election, FSCU reserves the right to convert the NGAGE Checking account to an NSPIRE Checking account which may carry a recurring $5.00 per month account maintenance fee on accounts with average monthly balances of below $1,500. The credit union also reserves the right to convert any NGAGE Saving account to a Master Share Account (regular saving account). REWARDS for NGAGE Checking accounts: Monthly Qualification Cycle means a period beginning on the first day of the current statement cycle and ending the last day of the current statement cycle. When NGAGE Checking Account qualifications** are met during a monthly qualification cycle, (1) Balances up to $25,000 receive a 3.00% APY, (2) On balances of $25,000.01 and up, members earn 1.00% APY, resulting in a range from 3.00% APY to 1.40% APY depending on the account's balance. (APY blended rate is based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000)). Balances over $125,000 will result in a lower blended rate based on total balance over $25,000; (2) ATM fee reimbursement up to $20 per month is provided only if qualifications are met within the qualification cycle and posted by the last day of the statement cycle. An ATM withdrawal receipt is required for reimbursement of an individual ATM fee of $5 or higher. REWARDS for linked NGAGE Saving accounts: When your linked NGAGE Checking Account qualifications** are met during a Monthly Qualification Cycle, your NGAGE Savings Account balances up to $25,000 receive APY of 1.50%; and balances over $25,000 earn 0.50% interest rate on the portion of balance over $25,000, resulting in a range from 1.50% to 0.70% APY depending on the balance. (APY blended rate is based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000)). Balances over $125,000 will result in a lower blended rate based on total balance over $25,000. When qualifications are not met, NGAGE Checking account balances and NGAGE Saving Account balances earn 0.05% APY. No ATM fees are refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the NGAGE rewards. The following activities do not apply toward earning account rewards: No ATM-processed transactions, no transfers between accounts, no debit card purchases processed by merchants as ATM or Bill Pay transactions and no purchases made with non-Family Savings issued debit cards. Both NGAGE Checking and NGAGE Saving Account dividends will be posted on the last day of the statement cycle. APYs accurate as of 09/20/2024.

**QUALIFICATIONS: Include 12 (twelve) debit card and/or Family Savings Visa Credit Card transactions, 1 (one) ACH (electronic deposit or payment) post and settle to the NGAGE Checking account during each qualification cycle and member enrolled to receive eDocument notices with a valid email address.

Account approval, conditions, limits, qualifications, time frames, enrollments, log-ons and other requirements may apply. Limit 1 (one) account per social security number. A $25 minimum deposit is required to open the NGAGE Checking Account. A $5 minimum deposit is required to open the NGAGE Savings Account. Business Accounts do not qualify for an NGAGE Account.