APY is Annual Percentage Yield and is accurate as of 07/08/2024. You must maintain a minimum daily balance of $10.00 in your account to obtain the disclosed APY. Also, you must meet the additional three eligibility requirements to receive the full Journey Rewards Checking benefits: (1) 12 debit card purchases must post and settle each monthly statement cycle; (2) have one direct deposit or automatic payment post and settle each monthly statement cycle; and (3) access online banking and enroll to receive electronic statements. ATM fee refunds up to $25 per monthly statement cycle. ATM-processed transactions do not count towards qualifying debit card purchases.  If all Journey Rewards Checking eligibility requirements are met, balances between $10-$20,000 receive an APY of 4.50% while balances over $20,000 receive an APY of .35%. If you do not meet all Journey Rewards Checking eligibility requirements each monthly statement cycle, your account will still function as a Journey Rewards Checking account earning an APY of .05%, and you will not receive ATM fee refunds for that time period. Rate is subject to change at any time after account opening. Fees may reduce earnings. For existing and new members when a new Journey Rewards Checking account is opened.