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Disclosures

1. Members of the military (requires self disclosure) and clients ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or presence of an eligible personal ��.��.�������԰� credit card; or qualify for one of the four Smart Rewards^® tiers (Primary, Plus, Premium or Pinnacle).

   The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

   Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

2. ATM Transaction Fee. ��.��.�������԰� will assess this fee for each ATM Transaction conducted at the Non-��.��.�������԰� ATM. Non-��.��.�������԰� ATMs are defined as any ATM that does not display the ��.��.�������԰� logo in any manner, physically on the ATM or digitally on the screen.

   ATM Surcharge. Non-��.��.�������԰� ATM owners may apply a surcharge fee on ATM transactions at their ATMs.

   ��.��.�������԰� participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-��.��.�������԰� ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

   Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

3. When changing checking account types, corresponding Non-��.��.�������԰� ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your ��.��.�������԰� Smartly^® Checking accounts.

4. If you have linked eligible accounts and the negative Available Balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If, however, the negative Available Balance is $5 or less, the amount advanced will be $5. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50 or less.

   Note: If you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for ��KY���� Overdraft Fee Forgiven.
   

   Refer to Your Deposit Account Agreement (PDF) section titled Overdraft Protection Plans for additional information.
   

5. In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. ��KY���� limits the number of charges to a daily maximum of three Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

6. Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). ��.��.�������԰� will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at ��.��.�������԰� ATMs, check deposits in branch and internal transfers from another ��.��.�������԰� account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement (PDF) for full funds availability details.
   

7. Variable rate account –The interest rates and annual percentage yields (APYs) are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.

8. The $5 monthly maintenance fee is waived with the presence of a Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.

9. Digital financial services benchmarking firm Keynova Group ranked ��KY���� #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

10. The 2021 Best Financial Customer Service rankings gave ��.��.�������԰� the highest score among mortgage lenders in its survey for best mortgage digital capabilities.

11. In Business Insider Intelligence's fourth annual US Mobile Banking Competitive Edge Study in 2020, the ��.��.�������԰� Mobile App was ranked No. 1 in customer service features.

12. In its 2021 Mobile Deposit Benchmark report, Cornerstone Advisors rated the ��KY���� Mobile App check deposit feature as number one in the industry for customer experience based on factors including deposit limits, error prevention, real-time status updates, auto-capture functionality and more.