QRewards Savings

QRewards Savings

Qualification Information:

QRewards Savings for QRewards Plus
Qualification Information: account transactions and activities may take one or more 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 following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

*Reward Information:
When your linked QRewards Plus account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000 in your QRewards Savings account earn an APY of 0.50% and daily balances over $20,000 earn an interest rate of 0.20% on the portion of the daily balance over $20,000, resulting in a range from 0.50% to 0.25% APY depending on the account's daily balance. When your linked QRewards Plus account qualifications are not met, the entire daily balance in the QRewards Savings account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01% APY. Interest will be credited to your QRewards Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/14/2025. APY calculations are based on an assumed balance of $20,000 + $100,000 in your QRewards Savings account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $20 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or ACH payment, and e-statement enrollment/paperless delivery are condition(s) of this account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 2 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A QRewards Plus or QRewards Cash Back account is required to have a QRewards Savings account. A linked QRewards Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Account Limitations: If QRewards Savings Is Established As A Savings Account:
Transfers or withdrawals, of any type, from a QRewards Savings account are limited to ten (10) per calendar month. An Excessive Withdrawal/Transfer Fee applies for each transfer/withdrawal above the 10 per calendar month. See Service Fee Schedule. We count a transaction on the date we post it to your account. This date may be different from the date you authorize, transfer, or write the transaction. Member FDIC.

QRewards Savings for QRewards Cash Back
Qualification Information: Account transactions and activities may take one or more 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 following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

*Reward Information:
When your linked QRewards Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000 in your QRewards Savings account earn an APY of 0.50% and daily balances over $20,000 earn an interest rate of 0.20% on the portion of the daily balance over $20,000, resulting in a range from 0.50% to 0.25% APY depending on the account's daily balance. When your linked QRewards Cash Back account qualifications are not met, the entire daily balance in the QRewards Savings account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01% APY. Interest will be credited to your QRewards Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/14/2025. APY calculations are based on an assumed balance of $20,000 + $100,000 in your QRewards Savings account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $20 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or ACH payment, and e-statement enrollment/paperless delivery are condition(s) of this account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 2 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A QRewards Plus or QRewards Cash Back account is required to have a QRewards Savings account. A linked QRewards Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Account Limitations: If QRewards Savings Is Established As A Savings Account:
Transfers or withdrawals, of any type, from a QRewards Savings account are limited to ten (10) per calendar month. An Excessive Withdrawal/Transfer Fee applies for each transfer/withdrawal above the 10 per calendar month. See Service Fee Schedule. We count a transaction on the date we post it to your account. This date may be different from the date you authorize, transfer, or write the transaction. Member FDIC
 
Anniversary and Birthday E-mail Disclaimers:
Qualification Information: Account transactions and activities may take one or more 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 following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our
bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account  rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day"
means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information:
Depending on what QRewards account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
 
Interest on your checking account balances (QRewards Plus Cash)
Interest on your savings account balances (QRewards Savings)
Cash back on debit card purchases (QRewards Cash Back)
 
Depending on your QRewards account, when your qualifications are not met, account reward distributions are not made and only the non-qualifying Annual Percentage Yield is earned in interest bearing accounts. Interest will be credited to the appropriate account on the last day of the current statement cycle. Cash back refunds will be credited to the appropriate account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
 
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $20 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or ACH payment, and eStatement enrollment/paperless delivery are condition(s) of this account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 2 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Member FDIC.
 
Click here to view the Qualification Calendar