^* 1.01% APY = Annual Percentage Yield. Applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. Upon qualifying, the 1.01% APY dividend will be applied to your average daily account balance during the following month up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.

^{^} Fees applicable to any ATM network will be charged to member account and reimbursed to the same account by Civic, typically within two business days.

^# Message and data rates may apply.

^† Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to three days earlier than the payer’s scheduled payment date.