Personal Checking Accounts Kensington Bank

Information	Rewards Checking	Interest Checking	Free Checking
Information SPECIAL REQUIREMENTS	Rewards Checking These 3 requirements must all be met during each statement cycle to earn the special Rewards Checking interest rate: 15 debit card transactions per statement cycle₇ 1 monthly direct deposit OR 1 month ACH debit₇ Enrolled in Paperless Statements	Interest Checking None	Free Checking None
Information MINIMUM TO OPEN	Rewards Checking $25	Interest Checking $70	Free Checking $25
Information MINIMUM DAILY BALANCE	Rewards Checking None	Interest Checking $750	Free Checking None
Information INTEREST	Rewards Checking Yes, tiered: Earn Rewards rate on balances up to $20,000 Earn Interest Checking rate on the portion of balances over $20,000	Interest Checking Yes	Free Checking None
Information FALL BELOW FEE	Rewards Checking N/A If 3 requirements are not met, no interest is earned for that statement cycle.	Interest Checking $10	Free Checking None
Information ADDITIONAL BENEFITS	Rewards Checking ATM Fee Rebate (up to $10)³ First order of checks free⁴ Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Check images w/eStatements($3 paper statement fee) Refer-a-Friend Rewards No Ready Reserve Set-up fee² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵	Interest Checking Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Free PAPER statement w/images (eStatement available) Refer-a-Friend Rewards Ready Reserve Available² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵	Free Checking Free Digital Banking Free Bill Pay¹ Free Mobile Banking Free Debit Card² ¼% Consumer Loan Discount with Autopay^{2, 6} Check images w/eStatements($3 paper statement fee) Refer-a-Friend Rewards Ready Reserve Available² No Annual Fee Rewards Credit Card² Identity Theft Smart Available⁵

Information

Rewards Checking

Interest Checking

Free Checking

Information

SPECIAL REQUIREMENTS

Rewards Checking

These 3 requirements must all be met during each statement cycle to earn the special Rewards Checking interest rate:

15 debit card transactions per statement cycle₇
1 monthly direct deposit OR 1 month ACH debit₇
Enrolled in Paperless Statements

Interest Checking

None

Free Checking

None

Information

MINIMUM TO OPEN

Rewards Checking

$25

Interest Checking

$70

Free Checking

$25

Information

MINIMUM DAILY BALANCE

Rewards Checking

None

Interest Checking

$750

Free Checking

None

Information

INTEREST

Rewards Checking

Yes, tiered:

Earn Rewards rate on balances up to $20,000
Earn Interest Checking rate on the portion of balances over $20,000

Interest Checking

Yes

Free Checking

None

Information

FALL BELOW FEE

Rewards Checking

N/A
If 3 requirements are not met, no interest is earned for that statement cycle.

Interest Checking

$10

Free Checking

None

Information

ADDITIONAL BENEFITS

Rewards Checking

ATM Fee Rebate (up to $10)³
First order of checks free⁴
Free Digital Banking
Free Bill Pay¹
Free Mobile Banking
Free Debit Card²
¼% Consumer Loan Discount with Autopay^{2, 6}
Check images w/eStatements($3 paper statement fee)
Refer-a-Friend Rewards
No Ready Reserve Set-up fee²
No Annual Fee Rewards Credit Card²
Identity Theft Smart Available⁵

Interest Checking

Free Digital Banking
Free Bill Pay¹
Free Mobile Banking
Free Debit Card²
¼% Consumer Loan Discount with Autopay^{2, 6}
Free PAPER statement w/images (eStatement available)
Refer-a-Friend Rewards
Ready Reserve Available²
No Annual Fee Rewards Credit Card²
Identity Theft Smart Available⁵

Free Checking

Free Digital Banking
Free Bill Pay¹
Free Mobile Banking
Free Debit Card²
¼% Consumer Loan Discount with Autopay^{2, 6}
Check images w/eStatements($3 paper statement fee)
Refer-a-Friend Rewards
Ready Reserve Available²
No Annual Fee Rewards Credit Card²
Identity Theft Smart Available⁵

Online Banking

Personal Checking Accounts