*To be eligible for Zeugma Reward Checking and Savings benefits, customers must fulfill the following 3 requirements on the Zeugma Reward Checking each month: receive a minimum of $500 in direct deposits, enroll in eStatements, and have eight (8) debit transactions posted and cleared per month (excluding internal transfers). Eligible Zeugma Checking accounts will be reimbursed up to $15 per month in ATM surcharges assessed by other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. “Qualifying Purchases” include signature purchase transactions only where the customer selects “credit” as the transaction type. The debit card cash back rewards and ATM surcharge refunds will be paid by the 15th day of the following month for the accounts that qualify in the current statement cycle. $10 minimum balance to open Zeugma Checking and $10 minimum balance to open Zeugma Savings and earn APY. No minimum balance required to be eligible. When you are eligible for Zeugma Checking benefits, then the interest paid on Zeugma Savings in the next statement cycle on balances of $50,000 or less is 2.03% with an annual percentage yield (APY) of 2.05%; an interest rate of 0.20% APY will be paid only for that portion of your daily balance that is greater than $50,000. The annual percentage yield (APY) for this tier will range from 0.20% to 2.05% depending on the balance in the account. If you do not qualify for the Zeugma Checking, you will be paid 0.10% annual percentage yield (APY) on your entire balance in the Zeugma Savings. Annual Percentage Yield (APY) effective as of 1/1/13. The initial rate on the account shall be tiered. Interest rates may vary after account opening. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-INT. Checking accounts subject to an inactivity fee of $10.00 for each 90 day period in which there is no customer initiated activity. One account per household. Not eligible with Step Anywhere relationship.