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^{1 3.05% APY (annual percentage yield) is earned on balances up to $10k. To qualify for the higher rate, the following transactions and activities must post and settle to your Rewards Checking account during each Monthly Qualification Cycle: 1) 15 or more signature based debit card transaction and 2) direct deposit of at least $100. You will earn 0.04% APY on balances above $10k; or 0.04% APY if the qualifications are not met.}

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