*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 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 to earn account rewards.
“Monthly Qualification Cycle” means the current statement cycle.
“Statement Cycle” means the period for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Reward Information:
When your Oarktrusts Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Oarktrusts Cash account earn an interest rate of 1.49% resulting in an APY of 1.50%. Daily balances over $50,000 earn an interest rate of 0.10% on the portion of the daily balance over $50,000 resulting in a range from 1.50% to 0.57% APY depending on the account’s daily balance.
When your Oarktrusts Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.01% resulting in a non-compounding annual percentage yield of 0.01%.
Interest will be credited to your Oarktrusts Cash account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 10/07/22.
APY calculations are based on an assumed balance of $50,000 + $100,000 in your Oarktrusts Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after the 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-on, and other requirements apply.
$50.00 minimum deposit is required to open the account.
Monthly eStatements are a condition of this account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-on may be required to meet some of the account’s qualifications.
Limit of 1 account 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.
Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.
Member FDIC.

Trademarks:
Oarktrusts Cash is a trademark of Oarktrusts, Ltd., registered in the U.S.A.