Free Rewards Checking

• 3.01% APY* on balances up to $10,000
• 0.50% APY* on balances over $10,000
• If monthly qualifications aren't met, you earn 0.05% APY*
• Nationwide ATM fee refunds**
• No monthly maintenance fee
• No minimum balance requirement
• Free VISA Debit Card
• No Debit Card usage fees
• Free Online Banking with Bill Pay
• Free E-Statements
• View the Rates

During the monthly qualification cycle:

• Have at least 12 check card purchases post and clear
• Receive monthly E-Statements
• Have at least 1 automatic payment or direct deposit post and clear

Disclaimer:

No minimum deposit to open account. *Annual Percentage Yield (APY) accurate as of 7/1/2011. Rate tiers are as follows: 3.01% APY applies to balances of $.01 - $10,000 and 0.50% APY applies to balances over $10,000 if qualifications are met each monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% APY to 3.01% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. **ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle.

How do I deposit money?

• Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch. Most employers and most government agencies offer this free service. If your employer does offer Direct Deposit, great! They'll have you fill out a simple form and you'll be good to go.
• Wire transfer money from your current account into your newly opened account (contact Town & County Federal Credit Union for details.)
• Mail your checks to Town & County Federal Credit Union at: PO Box 9420, South Portland, ME 04106 Or you can visit any of our branches. Visit our website for location and hours for the branch nearest you.

How do I access my money?

• Shortly after opening a new Rewards Checking account, Town & Country Federal Credit Union sends you a free debit card. Checks can be ordered for this account at any time.
• Rewards Checking also has free online banking that gives you the freedom to access your account from anywhere you have an Internet connection. With online banking you can view account activity, transfer funds between accounts and confirm deposit amounts. Use Town & Country's free online bill pay service to pay bills online, saving you time and money.

How do I check my balance?

• Town & County FCU offers free online banking with 24-hour access to your account information.
• Contact Town & County Federal Credit Union toll free at 800-649-3495 or email us at info@tcfcu.com and we'll be glad to assist you.

What if I need to talk to someone at the institution?

• Simply call Town & County FCU at 800-649-3495 or 207-773-5656 or email us at info@tcfcu.com and we'll provide the same great member service you get when you visit one of our branches.

What happens if I don't meet the qualifications during a monthly cycle?

• If there's a monthly qualification cycle you don't meet the qualifications, don't worry, there's no penalty and you still have a free checking account that earns a base interest rate of 0.05% APY*. Plus, the next month you qualify you'll be back to earning the reward interest rate and receiving nationwide ATM fee refunds (up to $25 per cycle).

How will I know if I meet the qualifications during each monthly qualification cycle?

• Town & County FCU sends you an email at the end of each monthly qualification cycle that lets you know if you met the qualifications. There's no penalty for not qualifying and you still have a free checking account that earns a base interest rate of 0.05% APY*. Plus, the next month you qualify you'll be back to earning the reward interest rate and receiving nationwide ATM fee refunds (up to $25 per cycle).

Is Rewards Checking insured?

• Yes. Rewards Checking is fully backed by the National Credit Union Association (NCUA).

Is this too good to be true?

• Not in the least! You qualify when you do the following EACH MONTHLY QUALIFICATION CYCLE: Have at least 12 check card purchases post and clear, Receive eStatements instead of paper ones and Have at least 1 automatic payment or direct deposit post and clear
• These activities help Town & County save money, which we pass along to you.

Is there a minimum balance to open a Rewards Checking account?

• There is no minimum to open the account.

Is there a minimum balance to maintain or to earn rewards?

• No! That's one of the many great benefits of Town & Country's Rewards Checking.

Do I still get checks with this account?

• Yes, you still use checks as you would with any checking account. When you open your Rewards Checking account, talk to your member services representative about ordering checks.

Will I be reimbursed for my ATM transactions after each withdrawal or at the end of the statement cycle?

• Whenever you meet the monthly cycle qualifications, your nationwide ATM fee refunds occur at the end of the qualification cycle (up to $25 per cycle).

*APY=Annual Percentage Yield

• January 2012 - 12/30/2012 through 01/30/2012
• February 2012 - 1/31/2012 through 02/28/2012
• March 2012 - 02/29/2012 through 03/30/2012
• April 2012 - 03/31/2012 through 04/29/2012
• May 2012 - 04/30/2012 through 05/30/2012
• June 2012 - 05/31/2012 through 06/29/2012
• July 2012- 06/30/2012 through 07/31/2012
• August 2012 - 07/31/2012 through 08/30/2012
• September 2012 - 08/31/2012 through 09/28/2012
• October 2012 - 09/29/2012 through 10/31/2012
• November 2012 - 10/31/2012 through 11/29/2012
• December 2012 - 11/30/2012 through 12/29/2012