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eVantage Qualification Information

Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, enrollment instructions, and fee schedule. Member FDIC. 

eVantage Checking qualification information: This account is an interest bearing account. In order to qualify for your eVantage Checking account rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your eVantage Checking account during each monthly statement cycle: At least 20 debit card purchases; Be enrolled in and agree to receive e-statements; Complete at least one ACH credit, or one ACH debit or one electronic credit consisting of either a Real-Time Payment (RTP) credit, mobile deposit, ATM deposit or FedNow credit.

Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the monthly statement cycle in order to qualify for the account’s rewards.

The following activities do not count toward earning account rewards: ATM-processed withdrawals, transfers between accounts within the same household, debit card purchases processed by merchants and received by our bank as ATM transactions and purchases made with debit cards not issued by our bank.

eVantage Checking Reward Information: When your eVantage Checking account qualifications are met during a monthly statement cycle, daily balances up to and including $25,000.00 in your eVantage Checking account earn an interest rate of 2.23% resulting in an APY of 2.25%; and daily balances over $25,000.00 earn an interest rate of 0.05% on the portion of the daily balance over $25,000.00, resulting in a range from 2.25% to 0.49% APY depending on the account’s daily balance.

ATM Fee Refunds: you will receive reimbursements for up to three $1.50 ATM transaction fees, when using non-USB ATMs, incurred during each monthly statement cycle. You will receive reimbursements for up to three $4.99 single transaction fees for foreign ATM fees during each monthly statement cycle in which you qualified.

When your eVantage Checking account qualifications are not met, all balances in an eVantage Checking account earn 0.05% APY and fees for nationwide ATM transactions are not reimbursed. 

eVantage Save: This account is an interest bearing account. In order to qualify for your eVantage Save account premium interest rate, eVantage Save account owner must have a consumer checking account with Union State Bank and be listed as having primary ownership of the consumer checking account; enrollments must be in place and all of the following transactions and activities must post and settle to your eVantage Save account during each monthly statement cycle: One deposit, Be enrolled in and agree to receive e-statements, Maintain a minimum $2,500.00 average daily balance.
 
Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the monthly statement cycle in order to qualify for the account’s rewards.
 
When your eVantage Save account qualifications are met during a monthly statement cycle, daily balances up to and including $50,000.00 in your eVantage Save account earn an interest rate of 0.99% resulting in an APY of 1.00%; and daily balances over $50,000.00 earn an interest rate of 0.05% on the portion of the daily balance over $50,000.00, resulting in a range from 1.00% to 0.37% APY, depending on the account’s daily balance. When your eVantage Save account qualifications are not met all balances in an eVantage Save account earn 0.05% APY. 
Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. $50.00 minimum deposit is required to open an eVantage Checking account. $50.00 minimum deposit is required to open a eVantage Save account.
 
Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. 
 
Limit one (1) account per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open these accounts. Closing fee of $25.00 if account closes within 60 days of opening.
 
APY= Annual Percentage Yield. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations, enrollment instructions, and fee schedule. Member FDIC.