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Summary

With Choice Rewards Checking from Northern FCU you are eligible to receive a premium dividend and free ATMs nationwide when you utilize the four free services outlined in the qualifications tab. Qualifying accounts will be rewarded with:

• 3.01% APY* on balances up to $25,000
• 1.00% APY* on balances from $25,001 to $50,000
• ATM Fee Refunds Nationwide**

*APY = Annual Percentage Yield. Rate is current as of 4/1/10 and is subject to change at any time. **Minimum monthly qualifications must be met to receive premium dividend and ATM refunds. 3.01% APY is paid on the portion of your checking balance between $0.01 and $25,000. 1.00% APY is paid on the portion of your checking balance between $25,001 and $50,000. 0.10% APY is paid on the portion of your balance that is over $50,000.

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Qualifications

Earning your Rewards are easy. Simply utilize the four free services outlined below each month and you will earn the reward rate of 3.01% APY and have all your monthly ATM fees refunded.

• Receive a direct deposit or conduct an ACH debit
• Receive monthly e-statements instead of paper statements
• Make 10 or more purchases using your debit card (excludes ATM withdrawals)
• Login to Online Banking at least one time per month.

What's the catch? There isn't one. If you don't complete all of the qualifications each month, there are no fees. You simply do not earn your premium dividend and do not receive your ATM refunds. You still enjoy a free checking account and have the opportunity to earn your rewards the next month.

If you have questions or would like to open a Choice Rewards Checking account, contact one of our branches today. If you already have a Northern FCU checking account, we can easily upgrade your account.

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