Rewards Checking

Rewards Checking is an innovative free account that pays! With 2.01%* Annual Percentage Yield (APY), your checking account becomes a true investment, making more money than a savings account each monthly qualification cycle. Since we refund ATM fees** incurred by other banks nationwide, you'll never waste those gains on getting cash. Plus, you'll receive a Visa Debit Card, internet banking and online bill pay - all for free! There are never service fees or hidden service charges, just rewards for using Community Bank of Raymore!

Rewards you will receive if qualifications are met each monthly qualification cycle:

• Earn 2.01% APY on balances from $0.01 to $24,999.99
• Earn 0.50% APY on balances $25,000* or more
• Earn 0.10% APY on all balances if qualifications are not met
• Reimbursement of all ATM fees nationwide**

Other Features

• No minimum balance to earn rewards
• Low opening deposit of $100
• No monthly service fee
• Free online banking and bill pay
• Free Visa Check Card

Qualifications

To Earn the Bonus Rate, Perform the Following Each Monthly Qualification Cycle:

• Have at least 10 debit card purchases post and clear (ATM withdrawals do not count)
• Have at least one automatic payment or direct deposit post and clear
• Receive eStatements

If you don't qualify during a cycle, don't worry! Your account will still function as a free checking account earning 0.10% APY* and you get right back to making 2.01%APY* and enjoying ATM fee refunds** the next cycle you qualify.

*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 12/27/2011. Interest Rate tiers are as follows: 2.01% APY applies to balances of $0.01 - $24,999 and 0.50% APY applies to balances of $25,000 and over if qualifications are met each monthly qualification cycle. Aggregate balance of $25,000 or more will have a blended interest rate on the monthly statement. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.01% APY – 0.50% APY if monthly qualifications are met. Rates may change any time after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. ATM withdrawals do not count as qualifying transactions. 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. Only one Rewards Checking account per customer. Available on personal accounts only.

**ATM Fee reimbursements provided only if qualifications are met within the monthly qualification.In the event of fraudulent or clearly excessive use of this feature on a given account, Community Bank of Raymore reserves the right to remove this feature and not refund the ATM fees.