Cash Back Checking

¹ Early Paycheck is available for members who have set up direct deposit with their employer or other payers to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions, and therefore you may not always see your direct deposits arrive early. Terms are subject to change without notice.

² Debit Round Up is an optional feature that helps you save effortlessly. To participate, you must actively enroll in the program. Once enrolled, each debit card purchase will be rounded up to the nearest dollar, and the difference will be transferred into your designated savings account. All debit cards linked to your checking account will be included in this program. Only point-of-sale debit card purchases qualify for the round-up; ATM transactions, ACH transfers, bill payments, and checks are excluded. Round-up amounts are aggregated daily and transferred as a single transaction to your savings account at the end of each day. If your checking account lacks sufficient funds on the day of the transfer, the round-up for that day will be skipped. In the event of a purchase reversal, the corresponding round-up transfer will remain in your savings account. Floridacentral Credit Union reserves the right to modify or cancel the Debit Round Up program at any time without prior notice. Terms are subject to change without notice.

³ Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.

⁴ APY - Annual Percentage Yield. APYs are accurate as of September 30, 2026, and are subject to change without notice

⁵ Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions: • the first 60 days for new accounts, or • the primary member is under the age of 24, or • the cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Share certificate, and Christmas Club accounts, or • monthly direct deposits total $500.00 or more in savings and checking accounts, or • have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.

⁶ When your Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: 1) Up to $25 in ATM fee refunds. 2) Balances up to $15,000 in Interest Checking will receive 2.00% APY; balances $15,000.01 and over in Interest Checking will earn 0.05%, resulting in a range from 2.00% - 0.05% APY on balances over $15,000. A blended yield based on balances up to $15,000 plus $100,000 is 0.34% APY. For Interest Checking, dividends and ATM refunds will be posted to your account on the last day of the month. Unless otherwise withdrawn, dividends will compound every month. Account transactions and activities may take one or more business 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 rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. 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 Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Courtesy Pay. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

⁷ This account does not pay dividends (interest), does not offer rewards. To maintain the Free Checking Account, members must provide a valid email address and agree to receive electronic communications as part of the Membership Application process. Enrollment in eStatements is required and will be automatically set at account opening; however, members must complete the enrollment process through Online Banking to activate eStatements. Optional Overdraft Protection and Courtesy Pay services are available with this account; standard fees apply when these services are used. For details on applicable fees, terms, and conditions, please refer to the separate Fee Schedule and Account Agreement. For more information, including details about eStatements enrollment and Overdraft Protection, please contact us or visit a local branch for more information. Account approval, conditions, qualifications, and other restrictions may apply.