Free Reward Checking + Free Real Saver:

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. $50 minimum to open for Reward Checking or Real Savings. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; You will receive unlimited reimbursements for nationwide ATM fees incurred during the Monthly and Qualification Cycle in which you qualified. If qualifications are not met, ATM fees are not refunded; (2) balances up to $25,000 receive APY of 1.00%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 1.00% -0.25% APY depending on the balance. If qualifications are not met on Reward Checking all balances earn 0.05% APY. Qualifying transactions must post to and settle Reward Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Reward Checking APY is based on compounding interest. Interest earned in Reward Checking is automatically transferred to Real Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Real Savings APYs may be less than Reward Checking APYs. If qualifications in Reward Checking are met each monthly qualification cycle: (1) balances up to $10,000 in Real Savings receive an APY of 0.75%; and (2) balances over $10,000 in Real Savings earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.75% - 0.25% APY depending on the balance. If qualifications are not met on Reward Checking, all balances in Real Savings earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Free Cash Back Checking + Free Real Saver:

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. $50 minimum to open for Real Cash Back or Real Savings. When monthly qualifications are met, you will receive 3.00% cash back on debit card purchases up to $300 that post to and settle account during monthly qualification cycle up to total cash back of $9 per monthly qualification cycle. Domestic ATM fees incurred using Real Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Real Cash Back rewards will be credited to your Real Savings account on the last day of the monthly statement cycle. If qualifications in Real Cash Back are met each monthly qualification cycle: (1) balances up to $10,000 in Real Savings receive an APY of 0.75%; and (2) balances over $10,000 in Real Savings earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.75% - 0.25% APY depending on the balance. If qualifications are not met on Reward Checking, all balances in Real Savings earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. When Real Cash Back qualifications are not met, you will not receive cash back on debit card purchases and ATM fees are not refunded. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.