High Yield Checking

• Earn a great rate on balances between $1,000.00 and $9,999.99

• Immediate access to funds while still building your money
• Combines the earning potential of a savings account with the flexibility of a checking account

• No monthly maintenance fees

• Feel secure with 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts
• Monitor your accounts with free transaction alerts

• Get paid up to two business days early with direct deposit
• No more worrying about paychecks getting lost, delayed or stolen

This Account is subject to a Variable Rate. The APY may increase or decrease after the account is opened depending on the WSJ Prime Rate. For the current dividend rate and corresponding APY, refer to the deposit rates published on our website https://navigatorcu.org/savings/deposit-rates/. To earn the disclosed Annual Percentage Yield (APY), you must maintain an average daily balance of no less than $1,000.00 and no more than $9,999.99 in your High Yield Checking account. You must also have a direct deposit aggregate of at least $500 each month into any savings, money market, or checking account under the same Navigator Credit Union account number. In addition, you are required to complete 12 debit card point-of-sale or signature purchases (ATM transactions and transfers between accounts do not qualify) that are cleared and posted to your account during the month. Requirements also include receiving your monthly statement electronically. When requirements are met, the average daily balance of no less than $1,000.00 and no more than $9,999.99 earn the APY of the Wall Street Journal (WSJ) Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. Average daily balances under $1,000.00 earn 0.00% APY. Average daily balances over $9,999.99 earn 0.00% APY on the portion of the average daily balance over $9,999.99. If you fail to meet the eligibility requirements during any month, you will earn 0.00% APY. Should the WSJ Prime Rate change during a statement cycle, the APY will be adjusted on the last day of the cycle when dividends are calculated. Fees may reduce earnings.

*Under the Courtesy Net option, a $25 overdraft fee will be assessed per presentment of a debit card transaction, ACH transaction, check, or bill pay transaction. You will be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. Courtesy Net is only permitted on one checking account per membership. The checking account will not become eligible for Courtesy Net until 90 days after the initial deposit to the checking account. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Net. You have 30 days to pay your negative balance before you will no longer be considered in good standing with the credit union. We reserve the right not to pay an item, at our discretion. For example, we typically do not pay overdrafts if your account is not in good standing or you have previously had an excessive number of overdrafts, also at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined and subject to the returned item/insufficient funds fee listed on our Fee Schedule. Overdrafts and fees are based on your available balance, which may be less than your actual balance, depending on pending charges, holds and pledges on your account. Courtesy Net will not cover overdrafts that cause the Checking account to exceed a negative balance of more than $500, including any prior fees assessed. All fees subject to change based on our current Fee Schedule. Additional restrictions may apply. See Account Agreement and Disclosure for more information.

Subject to membership eligibility. Federally insured by NCUA