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Disclosures:

1. Other banks’ ATM fees may apply.
2. Your mobile carrier's text messaging and web access charges may apply.
3. At no additional cost to primary account holder only. Primary account holder is defined as the person whose name appears first on the account. Not available for myRewards Student Checking.
4. No Commerce fee at another bank’s ATM up to three times per month. Non-Commerce ATM transactions in excess of 3 per month will incur a Commerce fee.
5. To qualify for the annual matching deposit Reward, you must maintain a myRewards Checking account and make 11 consecutive monthly deposits and 4 or fewer withdrawals per year, per myRewards Savings account. Total matching Reward determined by adding the average monthly deposit during the previous 11 months for each myRewards Savings account, per household, per year, on up to 5 myRewards Savings accounts. Maximum matching Reward $50 per account, maximum total matching Reward $100 per year. Reward credited annually in the 12th month after the first deposit. Annual Percentage Yield is currently 0.15%. Incentive of $10 or greater reported as interest to the IRS.
6. To be eligible for the bonus Reward, you must maintain a myRewards Checking account. We will pay an annual Reward of 0.5% of the average collected month end balance in your myRewards Money Market account for the previous 12 months, up to a maximum of $200. Reward credited the 13th month after account anniversary. Annual Percentage Yield is currently 0.15%. Incentive of $10 or greater reported as interest to the IRS.

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• Deposit Agreement & Disclosures