Rewarding Checking, Made Easy

Account Feature	Essential Checking	Partner Rewards Checking	Elite Advantage Checking	Business Checking
Account Feature Account Fees	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking $7.50/month	Business Checking $10/month
Account Feature Fee Waiver Options	Essential Checking n/a	Partner Rewards Checking n/a	Elite Advantage Checking no	Business Checking maintain average daily balance of $3k
Account Feature Rewards	Essential Checking no	Partner Rewards Checking ATM fee refunds up to $25 per month	Elite Advantage Checking	Business Checking no
Account Feature Cash Back	Essential Checking no	Partner Rewards Checking $0.25/per debit card transactions up to $10/month	Elite Advantage Checking	Business Checking no
Account Feature Loan Discounts*	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking 0.25%	Business Checking no
Account Feature Dividends	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking 3% up to $10k	Business Checking no
Account Feature Qualifiers	Essential Checking no	Partner Rewards Checking 15 debit card transactions per month	Elite Advantage Checking no	Business Checking no
Account Feature uChoose Rewards**	Essential Checking 1 point per $5.00	Partner Rewards Checking 1 point per $5.00	Elite Advantage Checking 1 point per $5.00	Business Checking 1 point per $5.00
Account Feature Up to $10,000 Accidental Death & Dismemberment Insurance	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Up to $5,000 Identity Theft Insurance	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Social Security Number Monitoring	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Card Registration & Monitoring	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Everyday Rebate Rewards (up to 10% cash back) - $80 yearly	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Cash Back Rewards	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Online Savings	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature Discount Prescriptions	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature One free Skip-A-Pay per year***	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature One overdraft forgiveness per year****	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no
Account Feature 1/2 priced wire transfers	Essential Checking no	Partner Rewards Checking no	Elite Advantage Checking	Business Checking no

Rates effective as of: January 6, 2026

*Valid on all loans under the same member number with an Elite Advantage Checking account. APR = Annual Percentage Rate.
** Only signature-based debit card purchases are eligible to earn rewards. Enrollment is required to earn points. Visit uChooseRewards.com to enroll.
***Valid on all eligible loans under the same member number with an Elite Advantage Checking account (note: not all loans are eligible) . Must be a member in good standing and all loans must be paid current. Offer subject to approval. Offer excludes Certificate Secured Loans, Lines of Credit Loans, Credit Cards, PIC Loans, Worry Free Repayment Loans, and all Real Estate Secured Loans. Interest will continue to accrue, even though a payment will not be received. All other agreements in the loan remain in effect except those changed by this offer. Choosing to skip-a-payment will extend the term(s) of the loan(s). Skip-a payment offer is approved if you do not receive notice otherwise. Must Qualify.
****Upon request. $30 maximum.
******Elite Checking Rewards through Trilegiant:
Up to $10,000 Accidental Death & Dismemberment Insurance
Up to $5,000 Identity Theft Insurance
Social Security Number Monitoring
Card Registration & Monitoring
Everyday Rebate Rewards (up to 10% cash back)-$80 yearly
Cash Back Rewards
Online Savings
Discount Prescriptions
*******Elite Checking Rewards through FFCU:
One free Skip-A-Pay per year1. Valid on all loans under the same member number with a Partner Paramount Checking account
One overdraft forgiveness per year. Upon request; $30 maximum
½ priced wire transfers