Z Checking and Peaks Perks Checking

*APY=Annual Percentage Yield. APYs accurate as of January 1, 2020. Rates may change after account is opened. For Peaks Perks™ Checking High Dividend, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10.00 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.25%; and (3) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Peaks Perks™ Checking High Dividend APY is based on compounding interest. Limit one account per Social Security Number.