• At least 12 debit card purchases
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking

Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions and purchases made with debit cards not issued by our bank. ”Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Cash: This account is an interest bearing account. When your Kasasa Cash account qualifications are met during a monthly qualification cycle, daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 1.98% resulting in an APY of 2.00%; and daily balances over $25,000.00 earn an interest rate of 0.10% on the portion of the daily balance over $25,000.00, resulting in a range from 2.00% to 0.48% APY depending on the account's daily balance.

Kasasa Cash with Kasasa Saver: This account is an interest bearing account. When your Kasasa Cash account qualifications are met during a monthly qualification cycle, daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 1.98% resulting in a non-compunding APY of 2.00%; and daily balances over $25,000.00 earn an interest rate of 0.10% on the portion of the daily balance over $25,000.00, resulting in a non-compounding range from 2.00% to 0.10% APY depending on the account's daily balance.

Kasasa Cash Back: 4.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle.

Kasasa Tunes: A sign up bonus is paid for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after the account is opened up to an aggregate amount 0f $20 (which includes any applicable taxes). You will earn up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Union State Bank Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.

Kasasa Saver: This account is an interest bearing account. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a monthly qualification cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 0.995% resulting in an APY of 1.00%; and daily balances over $50,000.00 earn an interest rate of 0.10% on the portion of the daily balance over $50,000.00, resulting in a range from 1.00% to 0.40% APY depending on the Kasasa Saver account's daily balance. When your linked Kasasa Cash or Kasasa Cash Back qualifications are not met during a Monthly Qualification Cycle: the entire daily balance in the Kasasa Saver account earns 0.05% APY.

ATM Fee Refunds: you will receive reimbursements up to $15.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY*; cash back payments are not made, iTunes, Amazon.com and Google Play purchases are not refunded and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day the current of statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 06/07/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.