Comparison Chart

thinkCHOICE Checking

Benefits

No minimum balance requirement

Receive a $2 credit for each qualifying transaction or behavior: (up to $6 per monthly statement cycle*)

Monthly service fee waived for those age 23 and younger

Monthly service fee waived for those age 65 and older with a monthly direct deposit

Free Convenience Services

- Free online banking with bill pay

- Free mobile banking

- Free eStatements

- Free telephone banking

- Free MasterCard® debit card

Deposit or Balance Requirements

None

Qualifications

-Perform at least 1 online bill pay

-Spend $250 or more in debit card purchases

-Have at least 1 automatic payment (ACH) or direct deposit

-Maintain at least $1,500 in deposit relationship balances**

Service Charge

$6.00 – earn credits to lower or eliminate (see above)

Deposit Required to Open

$50

thinkCHOICE Checking

thinkREWARDS Checking

Benefits

1.00% cash back on debit card purchases, up to $10 per monthly statement cycle*

No monthly service fee when balance requirement is met

Free Convenience Services

- Free online banking with bill pay

- Free mobile banking

- Free eStatements

- Free telephone banking

- Free MasterCard® debit card

Deposit or Balance Requirements

$500 Minimum Daily Balance

or

$1,500 Average Daily Balance

Qualifications

N/A

Service Charge

$9.95, waived if balance requirements are met

Deposit Required to Open

$50

thinkREWARDS Checking

thinkINTEREST Checking

Benefits

Earn interest based on account balance***:

- If balance is between $0 - $9,999.99 rate is 2.00% with APY of 2.02%

- If balance is between $10,000 - $49,999.99 rate is 0.50% with APY of 2.02% to 0.81%

- If balance is $50,000 and up rate is 0.01% with APY of 0.81% to 0.17%††

- If monthly qualifications are not met rate is 0.01% with APY of 0.01%

Earn up to $25 in ATM reimbursements if qualifications are met †††

Free Convenience Services

- Free online banking with bill pay

- Free mobile banking

- Free eStatements

- Free telephone banking

- Free MasterCard® debit card

Deposit or Balance Requirements

Maintain $5,000 Average Daily Balance

or

At least $15,000 Deposit Relationship balances

Qualifications

In order to be eligible for premium rate and ATM reimbursements:

- Make at least 10 debit card purchases per monthly statement cycle

- Have at least one automatic payment (ACH) or direct deposit per monthly statement cycle

Service Charge

$15.00, waived if balance requirements are met

Deposit Required to Open

$50

thinkINTEREST Checking

*Qualifying transaction must post and settle to the account during the monthly statement cycle. Transactions may take one or more banking days from the day the transaction was made to post and settle to an account. The monthly business cycle ends on the last business day of the month.

**Deposit relationship balances include Savings, Money Market and Interest bearing Checking Accounts. Deposit relationship balances are calculated on the average daily balance.

***This is a variable rate account. Rates may change after account is opened without prior notice. Fees may reduce earnings.

†Annual Percentage Yield (APY) is accurate as of 05/06/2016. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.

†† Assumes a maximum balance of $250,000

††† Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $25 if qualifications are met.

- Personal accounts only. Not intended for business purposes.

- $50.00 minimum deposit required to open account.

- One thinkINTEREST account per taxpayer identification number.