^ To qualify for a premium rate, enrollment in eDocs, direct deposit of net income to an account under the membership, and a minimum of 15 card purchases, averaging $10 each, during the month, is required. Premium Checking requires 15 debit card purchases, averaging $10 each, and Premium Plus requires 15 credit card purchases, averaging $10 each. Balance transfers, ATM transactions and cash advances do not count toward the monthly card transaction requirements. Card(s) must be associated with the Premium/Premium Plus Checking account. Business and Home Improvement Visa credit cards are ineligible. Transactions must settle and post to the associated card account between the first day of the month and the second to last day of the month. Transactions posted the last day of the month will be applied to the next month’s transaction totals. One Premium Checking or one Premium Checking Plus account is allowed per tax identification number. Must be 18 years of age or older to open a Premium or Premium Plus Checking account. Qualifications are subject to change, and we will notify you as required by applicable law.

^◂Cash back rate of 2% requires inclusion in Loyalty Program by enrolling in eDocs and maintaining either direct deposit of your net payroll income into a Veridian account, or making a minimum of 10 qualifying checking account transactions per month. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. Borrowers will receive standard cash back rate of 1.5% if they fail to meet Loyalty Program qualifications during the month. Points toward cash back are earned at the time of purchase based on your current Loyalty Program status. See Veridian for details.