Qualifications required to earn rewards include: (1) 12 debit card purchases posted and settled (2) enrollment in eStatement notice and (3) one automatic payment (ACH) or direct deposit posted and settled.View Smart Checking Qualification Calendar.Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.Must be a member to open a checking account.All Checking Accounts are subject to approval.Transfers between accounts do not count as qualifying transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. ATM-processed transactions do not count towards qualifying debit card transactions. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Qualifying transactions must post to and settle account during monthly qualification cycle. If qualifications are not met, all balances earn 0.05% APY. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle (2) balances up to $15,000 receive APY of 2.00% and (3) balances over $15,000 earn 0.10% APY dividend rate on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. Rates may change after account is opened. APYs accurate as of the last dividend declaration date. Apple Pay is a trademark of Apple Inc., registered in the US and other countries and regions. Mastercard is a registered trademark and the circle design is a trademark of Mastercard International Incorporated.Credit card rate and limit are chosen based on credit history and score. Rates, terms and conditions are subject to change and are based on creditworthiness and qualifications.All credit cards are subject to approval.The annual percentage rate will never be greater than 18.00%. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin of 9.00%. Points are redeemed via the UChoose website which can be accessed via RIAFCU online and mobile banking. Points can be converted to cash back in increments of 500 points or $5.00. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. You will automatically earn 1.5 points per $1.00 spent on net purchases (purchases less any credits, returns, and adjustments).Mastercard Rewards Card – See Mastercard® Credit Card Disclosure for full details and disclosures.

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