interest Checking Account

Relationship Checking Account

Minimum deposit to open the account is $50
No minimum balance required to earn interest or maintain account
Unlimited check writing
Check images returned with statement at no charge
This is a tiered rate account if one of the qualifications detailed below are met for each monthly statement cycle

Minimum deposit to open the account is $50.
No minimum balance required to earn interest or maintain account.
Unlimited check writing.
Check images returned with statement at no charge.
This is a tiered rate account if the qualifications detailed below are met for each monthly statement cycle.
If qualifications are not met, all balances are still eligible to earn interest. Separate tiers will apply.

QUALIFICATION A

To meet qualification A in the Interest Checking Account you must have:

• At least fifteen (15) posted and settled debit card purchases in the current monthly statement cycle or at least $1,000 in posted and settled transactions on a Blackhawk Bank & Trust Visa credit card in the previous calendar month; and

• At least one (1) direct deposit or electronic payment (ACH) post and settle during the monthly statement cycle.

QUALIFICATION B

To meet qualification B in the Interest Checking Account you must have:

• At least fifteen (15) posted and settled debit card purchases in the current monthly statement cycle;

• At least $1,000 in posted and settled transactions on a Blackhawk Bank & Trust credit card in the previous calendar month; and

• At least one (1) direct deposit or electronic payment (ACH) post and settle during the monthly statement cycle.

BONUS CASH REWARDS

The following bonus cash rewards are earned with additional personal account and loan relationships in the Interest Checking Account.

• An additional $20 cash reward bonus will be credited within 60 calendar days of the date the customer opens a new personal loan account. Cash Rewards not eligible for credit cards.

• An additional one-time $20 cash reward bonus will be credited in the same month that the customer opens a new personal Money Market account during the current monthly statement cycle. There is a $2,500 minimum deposit requirement to open a Money Market account. One-time cash bonus is not eligible for new Relationship Money Market Accounts.

QUALIFICATION A

Relationship checking account you must have:

• At least fifteen (15) posted and settled debit card purchases in the current monthly statement cycle or at least $2,000 in posted and settled transactions on a Blackhawk Bank & Trust Visa credit card in the previous calendar month; and

• At least two (2) of the following additional qualifiers:

1. At least one (1) direct deposit or electronic payment (ACH) post and settle during the monthly statement cycle;

2. An average monthly balance of at least $25,000 within a Blackhawk Bank & Trust Money Market or Savings account;

3. A current principal balance of at least $25,000 within Blackhawk Bank & Trust Personal Loan accounts;

4. A current balance of at least $100,000 within Blackhawk Bank & Trust Certificate of Deposit or Individual Retirement accounts.

QUALIFICATION B

To meet qualification B in the Relationship checking account you must have:

At least fifteen (15) posted and settled debit card purchases in the current monthly statement cycle; and

$2,000 in posted and settled transactions on a Blackhawk Bank & Trust credit card in the previous calendar month; and

At least two (2) of the following additional qualifiers:

1. At least one (1) direct deposit or electronic payment (ACH) post and settle during the monthly statement cycle;

2. An average monthly balance of at least $25,000 within a Blackhawk Bank & Trust Money Market or Savings account;

3. A current principal balance of at least $25,000 within Blackhawk Bank & Trust Personal Loan accounts;

4. A current balance of at least $100,000 within Blackhawk Bank & Trust Certificate of Deposit or Individual Retirement accounts.

BONUS CASH REWARDS

The following bonus cash rewards are earned in the Relationship checking account with additional loan relationships.

• An additional $20 cash reward bonus will be credited within 60 calendar days of the date the customer opens a new personal loan account. Cash Rewards not eligible for credit cards.

Interest Checking - Qualification A

Tier	Branch	Min. Opening Deposit	Min Balance	Interest Rate	APY
Qualification A: daily balance of $0.01 to $15,000	Blackhawk Bank & Trust	$50.00	None	4.170%	4.250%
Daily balance of more than $15,000	Blackhawk Bank & Trust	$50.00	$15,000.00	0.050%	0.050%

Please see the account terms and conditions for full details. A withdrawal, interest rate change, or imposition of fees will reduce earnings. The Annual Percentage Yield and interest rate disclosed are based on the bank's disclosed compounding frequency for the appropriate term. Daily balance is the amount of principal in the account each day. Rates are determined at the banks discretion and are subject to change at any time.