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^*Membership must be opened between 7/1/2024 and 12/31/2025 to receive this promotional offer. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the 3-month introductory period Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY.

To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month.

To achieve Level 1, you must have monthly direct deposits totaling at least $1,000 into your PowerPlus™ Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.

To achieve Level 2, you must have direct deposits totaling at least $3,000 into your PowerPlus™ Checking account on an ongoing monthly bases, enrollment in eStatements and completion of at least thirty (30) qualified transactions.

Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card Signature, credit card purchases, Online Bill Pay or ACH payments, which will apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees and will not be eligible for the increased APY offer during the introductory period. Rate accurate as of 3/1/2025. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Fees may reduce earnings.

PowerPlus™ Checking is available as a personal account only and is limited to one account per member. When Opted In, if you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month). Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charge and Fee Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

^1. Direct Deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

^2. Open to U.S. legal residents who are 18 years or older. To qualify for the referral offer, the existing member must refer a new member to the Credit Union via your referral link or email invitation. The referred new member must open a membership with the Credit Union and deposit at least $25 in the first 15 days of account opening. A person seeking Credit Union membership must also meet at least one of the criterial found at BCU.org/Membership-Eligibility. The existing referring member and the new member will each receive a well-being deposit of $25.00 into their Share-01 Regular Savings account approximately fifteen (15) days after the referred new member opens a membership and makes the required $25 deposit. The minimum qualifying deposit balance must remain in the account until time of funding. The Referral Deposit to the new member are considered bonuses and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). Both the referred membership and existing membership must be in good standing to receive offer. To be in good standing requires at a minimum: You are not in default of any loan or other obligation to BCU, You are not subject to any legal or administrative order or levy, You have not caused a loss to BCU as stated in our Expulsion Policy found at BCU.org/Legal/Terms-of-Use.

To receive the PowerPlus™ Checking introductory offer to earn up to 8.00% APY for 3 months, the referred new member must open a membership and PowerPlus™ Checking between 1/1/2025 and 12/31/2025. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the introductory period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the introductory period, balances up to $15,000 will earn the state higher rate and the portion of the balance over $15,000 will earn the stated lower rate. The existing referring member will receive the promotion for a 3-month period beginning the month after the referred membership meets a minimum monthly direct deposit of $1,000 and ends the last calendar day of the third month. The minimum monthly direct deposit of $1,000 must occur by the last calendar day of the 4th month from the referred membership open date. During the 3-month period, Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY. PowerPlus™ Checking is available as a personal account only and is limited to one account per member. For complete details see the Product Feature, Service Charge and Fee Disclosure in the Consumer Member Service Agreement. No substitution for offer allowed. Void where prohibited. BCU's decisions are final and binding on all matters relating to this promotion. BCU employees and immediate family members are eligible for this offer. BCU, at its sole discretion, may terminate, in whole or part, and or modify, amend, or suspend this promotion in any way, at any time, for any reason without prior notice. Sponsored by BCU, 340 N Milwaukee Ave, Vernon Hills, IL 60061.