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Kasasa Cash:

*To earn your rewards just do the following transactions and activities in your Kasasa Cash account during each “Monthly Qualification Cycle”: 1) Have a minimum of ten debit card purchases post and settle your account; 2) Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account; 3) Be enrolled in and agree to receive e-Statements. "Monthly Qualification Cycle" is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month’s qualification. Qualification Information: Account transactions and activities may take one (1) or more “Banking Days” from the date the transaction or activity occurred to post and settle to the account and all must do so during the “Monthly Qualification Cycle” in order to qualify for the account’s rewards. "Banking Day" means any business day on which an office of the Credit Union is open to the public for the purpose of carrying out substantially all of its banking functions. The following activities do not count toward earning rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Reward Information: When your Kasasa Cash account qualifications are met during a “Monthly Qualification Cycle”, (1) Balances up to $20,000 earn a dividend rate of 1.74%; and balances over $20,000 earn a dividend rate of 0.15% on the portion of balance over $20,000, resulting in a range from 1.75% to 0.42% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified. APY = Annual Percentage Yield. APY is accurate as of 10/01/2020. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. No minimum balance is required to earn or to receive the account’s rewards. When Kasasa Cash qualifications are not met, all balances in the account earn 0.13% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the first processing day of the following “Statement Cycle”. “Statement Cycle" means the period of time for which MCT Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons) may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges to open or close this account. No minimum balance is required to earn or to receive the account’s rewards. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

By members’ choice, this institution is not federally insured but insured by American Share Insurance.

Free Kasasa Cash Back Checking Account:

*To earn your rewards just do the following transactions and activities in your Kasasa Cash Back account during each “Monthly Qualification Cycle”: 1) Have a minimum of ten debit card purchases post and settle your account; 2) Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account; 3) Be enrolled in and agree to receive e-Statements. “Monthly Qualification Cycle” is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month’s qualification. Qualification Information: Account transactions and activities may take one (1) or more "Banking Days" from the date the transaction or activity occurred to post and settle to the account and all must do so during the “Monthly Qualification Cycle” in order to qualify for the account’s rewards.  “Banking Day” means any business day on which an office of the Credit Union is open to the public for the purpose of carrying out substantially all of its banking functions.  The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Reward Information: When your Kasasa Cash Back account qualifications are met during a “Monthly Qualification Cycle”, you will receive: (1) 2.50% cash back on debit card purchases that post and settle to the account during “Monthly Qualification Cycle”. A maximum of $7.50 cash back may be earned per “Monthly Qualification Cycle” and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the first processing day of the following “Statement Cycle”.  “Statement Cycle” means the period of time for which MCT Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges to open or close this account. No minimum balance is required to earn or to receive the account’s rewards. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash Back are trademarks of Kasasa Ltd., registered in the U.S.A.

By members’ choice, this institution is not federally insured but insured by American Share Insurance.

Free Kasasa Tunes Checking Account:

*Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $15 (which includes any applicable taxes) for iTunes or Amazon.com purchases, made with your MCT Credit Union debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the first processing day of the following “Statement Cycle” after your aggregate iTunes or Amazon.com purchase threshold of $15 posts and settles to your account. To earn your rewards just do the following transactions and activities in your Kasasa Tunes account during each “Monthly Qualification Cycle”: 1) Have a minimum of ten debit card purchases post and settle your account; 2) Be enrolled in and agree to receive e-Statements. “Monthly Qualification Cycle” is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month’s qualification. Qualification Information: Account transactions and activities may take one (1) or more “Banking Days” from the date the transaction or activity occurred to post and settle to the account and all must do so during the “Monthly Qualification Cycle” in order to qualify for the account's rewards. “Banking Day” means any business day on which an office of the Credit Union is open to the public for the purpose of carrying out substantially all of its banking functions.  The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Reward Information: When your Kasasa Tunes account qualifications are met during a “Monthly Qualification Cycle”, you will receive: (1) up to an aggregate total of $7.50 (which includes any applicable taxes) in refunds for any iTunes or Amazon.com purchases. In order to be refunded, iTunes or Amazon.com purchases must be made with your MCT Credit Union debit card and must post and settle to your account no more than 30 days after the “Monthly Qualification Cycle” and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Tunes qualifications are not met, iTunes or Amazon.com purchases and ATM fees are not refunded. iTunes and Amazon.com refunds and ATM fee reimbursements will be credited to your Kasasa Tunes account on the first processing day of the following "Statement Cycle". “Statement Cycle” means the period of time for which MCT Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons) may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. No minimum balance is required to earn or to receive the account’s rewards. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Apple Inc. and Amazon.com are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

By members’ choice, this institution is not federally insured but insured by American Share Insurance.