*0.50% Annual Percentage Yield (APY) paid on balances up to $25,00.00, 0.50% APY on balances from $25,000.01 to $50,000.00 and 0.15 APY% on balances over $50,000.00 each statement cycle the qualifications are met (with an APY of 0.38% assuming the maximum deposit of $75,000.00). Rates are accurate as of January 6, 2020. The rate is variable. The rate and APY may change at any time after the account is opened. Available on personal accounts only.
Fees could reduce earnings on the account.
**ATM reimbursements will be credited to your Rewards Checking account on the last day of your statement cycle. Reimbursements are limited to $30.00 per account, per cycle.
|ATM Surcharges Between||Refund Policy|
|$.01 and $3.00||Reimbursed in full up to $30 per account per statement cycle|
|$3.01 to $4.99||Reimbursed at $3.00 per transaction up to $30 per account per statement cycle|
|$5.00 or more||Not reimbursed, even in part|
ATM withdrawals do not count as qualifying debit card transactions. Debit card transactions processed by merchants and received by the bank as ATM transactions do NOT count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Point of Sale (POS) transactions count toward qualifying debit card transactions.
Each monthly qualification cycle, you must:
- Have at least 10 debit card purchases post and settle (or clear your account)
- Have at least one direct deposit or automatic payment post and settle (or clear your account)
- Receive your statement electronically
- Access online banking
Qualifying transactions are measured for items posted to and settled (or cleared) your account for the monthly period beginning the last business day of the previous statement cycle through the next to last business day of the current statement cycle. If you do not meet the qualifying transactions you will earn 0.10% APY and will not receive any applicable ATM fee reimbursements.
In additional to qualifying transactions, you must alo meet the following Rewards Checking requirements each cycle:
- Maintain an online account with a current valid email address
- Maintain an active debit card
If you do meet the requirements, Haverhill Bank reserves the right to convert your account to the Regular Checking Account.
***Data fees from your mobile carrier may apply.
****You may access ATMs bearing the SUM and/or MoneyPass logos without incurring a surcharge by the owner of the ATM. Non-SUM and Non-MoneyPass ATM owners may charge for use. Haverhill Bank fees may apply. Refer to Consumer Banking Schedule of Charges for details.