Disclaimers

¹APY=Annual Percentage Yield. APYs accurate as of 8/1/2022. Rates may change after the account is opened. There is no minimum balance required to open a HOPE Rewards Checking account. Members must meet certain terms and conditions to open a HOPE Rewards account. Members are limited to one HOPE Rewards Checking account as a primary account holder. No commercial account may participate in this program. Dividends are paid on accounts with positive balances.  If HOPE Rewards Checking qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to the account on the last day of monthly statement cycle; an ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to $10,000 receive an APY of 3.01%; and (3) balances over $10,000 earn a 0.50% dividend rate on the portion of the balance over $10,000, resulting in 3.01% – 0.73% APY depending on the balance. If qualifications are not met on HOPE Rewards Checking accounts, all balances earn 0.10% APY. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1 – March 31). Contact us for more information about the qualification cycle. The advertised HOPE Rewards Checking APY is based on compounding dividends. Dividends earned in a HOPE Rewards Checking Plus account are automatically transferred to a linked HOPE Rewards Savings Plus account each statement cycle and do not compound. The actual dividend amount paid may be less than the advertised HOPE Rewards Checking account APY. The HOPE Rewards Savings Plus APYs may be less than HOPE Rewards Checking account APYs. If qualifications in a HOPE Rewards Checking Plus account are met each monthly qualification cycle: (1) balances up to $10,000 in HOPE Rewards Savings Plus receive an APY of 1.01%; and (2) balances over $10,000 in HOPE Rewards Savings Plus earn 0.50% dividend rate on portion of balance over $10,000, resulting in 1.01% – 0.52% APY depending on the balance. If qualifications are not met on HOPE Rewards Checking Plus accounts, all balances in HOPE Rewards Savings Plus accounts earn 0.10% APY. At our discretion, we may change the dividends paid on all tiers, and/or cap at any time. Fees may reduce earnings. Qualifying transactions must post to and settle to the HOPE Rewards Checking account during the monthly qualification cycle. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. Transfers between accounts do not count as qualifying transactions. ATM-processed withdrawals do not count as qualifying debit card transactions.

²Certain terms and conditions must be met to open a HOPE checking account.

³Wireless carrier message and data rates may apply.