Feel like you deserve a whole lot more from a FREE personal checking account? How does 3.56% interest on your balance sound? Sign up for Reward Checking and start earning high yield interest right away. You can even earn service fee refunds on any ATM you use nationwide.

Reward Checking is perfect for those who demand more from their personal checking -- there are no balance requirements, no maintenance fees, and no penalties if you don't meet the requirements. Even if you don't qualify for any given month, you'll still earn our base rate of .16% APY, and can qualify for the higher rate again the next month. Plus you can always enjoy the revolutionary FREE services that City Bank offers like online bill pay, mobile banking, and many others.

Now is time to sign up for Reward Checking from City Bank.

• Pays Interest - earn up to 3.56% APY (Annual Percentage Yield)
• Refunds nationwide ATM Fees - never pay to get to your money again
• Free City Bank Debit Card
• Free Internet Banking
• Free Bill Pay
• Overdraft Protection after 30 days. Some restrictions apply.

It's easy! Sign up today - it's better than free!

RATE EFFECTIVE 10/08/2008

• Reward Checking is a variable rate account & the rate may change at any time.
• No minimum balance required.
• $50 Minimum Opening Balance.
• Fees may reduce earnings.

To earn 3.56% APY (Annual Percentage Yield) interest and refunded ATM fees, you must:

• Make at least 20 City Bank Debit Card transactions per statement period (ATM withdrawals excluded).*
• Make 4 ACH Debit or Credit transactions per cycle.*(EX: Direct Deposit, Gym Membership, Electricity Bill)
• Access your account online at least once per statement cycle.*
• 1 online Bill Payment per cycle.*
• Sign up for e-statements and receive your statements each cycle.*

To earn 1.51% APY (Annual Percentage Yield) interest and refunded ATM fees, you must:

• Make at least 8 City Bank Debit Card transactions per statement period (ATM withdrawals excluded).*
• Make at least 1 ACH Debit or Credit per cycle.*(EX: Direct Deposit, Gym Membership, Electricity Bill)
• Access your account online at least once per statement cycle.*

To earn 0.16% APY (Annual Percentage Yield) interest - NO REQUIREMENTS.

Foreign ATM fees will not be refunded on this level of Reward Checking.*

RATES EFFECTIVE 10/08/2008

* No Minimum Balance Required

* $50 Minimum Opening Balance

* Fees may reduce earnings.

* Reward Checking is a variable rate account and the rate may change at any time.

* All Qualifications must be met by the 3rd Wednesday of the Month.

Reward Checking Q&A

Q: Will I be able to use my existing debit card from City Bank with my Reward Checking account?

A: Yes. You will be able to use your existing debit card with your Reward Checking account.

Q: How may I convert my checking account with City Bank to a Reward Checking Account?

A: You will need to complete and sign a Reward Checking Account Maintenance Form and return the form to a new account representative. They will transfer the account to a Reward Checking Account.

Q: Will the transactions from this statement period on my old account be allowed as required transactions for my Reward Checking Account for this statement period?

A: No. You will not be allowed to carry over transactions as required transactions for this account.

Q: Will my statement period change?

A: Yes. Reward Checking has a predetermined statement period that may not be changed.

Q: Will the ACH transactions that were attached to my old account transfer over automatically to my Reward Checking account?

A: Yes, you will not have to re-initiate these transactions.

Q: Will the prior history from my transferred account be viewable on online banking?

A: Yes, this information will transfer over to your Reward Checking account.

Reward Checking Account Change Request Form