Elite Advantage Checking

Account Feature	Essential Checking	Elite Advantage Checking	Partner Rewards Checking
Account Feature Acount Fees	Essential Checking no	Elite Advantage Checking $7.50/month	Partner Rewards Checking no
Account Feature uChoose Rewards**	Essential Checking 1 point per $5.00	Elite Advantage Checking 1 point per $5.00	Partner Rewards Checking 1 point per $5.00
Account Feature Cash Back	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking $0.25/per debit card transactions up to $10/month
Account Feature Rewards	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking ATM fee refunds up to $25 per month
Account Feature Qualifiers	Essential Checking no	Elite Advantage Checking no	Partner Rewards Checking 15 debit card transactions per month
Account Feature Dividends	Essential Checking no	Elite Advantage Checking 3% up to $10k	Partner Rewards Checking no
Account Feature Loan Discounts*	Essential Checking no	Elite Advantage Checking 0.25%	Partner Rewards Checking no
Account Feature Up to $10,000 Accidental Death & Dismemberment Insurance	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Up to $5,000 Identity Theft Insurance	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Social Security Number Monitoring	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Card Registration & Monitoring	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Everyday Rebate Rewards (up to 10% cash back) - $80 yearly	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Online Savings	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Discount Prescriptions	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature One free Skip-A-Pay per year***	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature One overdraft forgiveness per year****	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature 1/2 priced wire transfers	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no
Account Feature Cash Back Rewards	Essential Checking no	Elite Advantage Checking	Partner Rewards Checking no

Rates effective as of: December 5, 2025

*Valid on all loans under the same member number with an Elite Advantage Checking account. APR = Annual Percentage Rate. ** Only signature-based debit card purchases are eligible to earn rewards. Enrollment is required to earn points. Visit uChooseRewards.com to enroll. ***Valid on all eligible loans under the same member number with an Elite Advantage Checking account (note: not all loans are eligible) . Must be a member in good standing and all loans must be paid current. Offer subject to approval. Offer excludes Certificate Secured Loans, Lines of Credit Loans, Credit Cards, PIC Loans, Worry Free Repayment Loans, and all Real Estate Secured Loans. Interest will continue to accrue, even though a payment will not be received. All other agreements in the loan remain in effect except those changed by this offer. Choosing to skip-a-payment will extend the term(s) of the loan(s). Skip-a payment offer is approved if you do not receive notice otherwise. Must Qualify. ****Upon request. $30 maximum. ******Elite Checking Rewards through Trilegiant: Up to $10,000 Accidental Death & Dismemberment Insurance Up to $5,000 Identity Theft Insurance Social Security Number Monitoring Card Registration & Monitoring Everyday Rebate Rewards (up to 10% cash back)-$80 yearly Cash Back Rewards Online Savings Discount Prescriptions *******Elite Checking Rewards through FFCU: One free Skip-A-Pay per year1. Valid on all loans under the same member number with a Partner Paramount Checking account One overdraft forgiveness per year. Upon request; $30 maximum ½ priced wire transfers