Free Zenith Saver

*APY = Annual Percentage Yield. APYs accurate as of 4/22/2024. The Zenith Saver APYs may be less than the Zenith Cash APYs. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Reward Information: When your Zenith Cash or Zenith Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle:

• Zenith Saver: Balances up to $25,000 receive APY of 3.00%; and balances over $25,000 earn 0.10% APY on the portion of balance over $25,000, resulting in a range from 0.10% to 3.00% APY depending on the account's balance.
• Zenith Cash: Balances up to $25,000 receive APY of 4.60%; and balances over $25,000 earn 0.10% APY on the portion of balance over $25,000, resulting in a range from 0.10% to 4.60% APY depending on the account's balance.
• Zenith Cash Back: 4.00% cash back on up to a total of $300 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $12 cash back may be earned per Monthly Qualification Cycle.

When Zenith Cash or Cash Back qualifications are not met,

• Zenith Saver: All balances earn 0.05% APY.
• Zenith Cash: All balances earn 0.05% APY.
• Zenith Cash Back: No cash back payments are made.

When linked to the Zenith Saver account, the interest earned within the Zenith Cash account does not compound since it is automatically transferred to the Zenith Saver account the day after being credited to your Zenith Cash account. Consequently, when linked to Zenith Saver, and your Zenith Cash qualifications are met, balances up to $25,000 in your Zenith Cash account receive a non-compounding APY of 4.51%; and balances over $25,000 earn 0.10% APY on the portion of the balance over $25,000, resulting in a non-compounding range from 1.00% to 4.51% APY depending on the account's balance.

Qualifications Information: Account transactions and activities may take one or more banking days/business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Zenith Ledger Financial as ATM or PIN-based/signature-based transactions and purchases made with a non-Zenith Ledger Financial issued debit card. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account, limited to $250 if opened online. Monthly direct deposit/ACH credit, 10 PIN based/signature-based debit card transactions, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account's qualifications). Limit 2 account(s) per social security number / individual taxpayer identification number. A Zenith Cash or Zenith Cash Back account is required to have a Zenith Saver account. A linked Zenith Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact a Zenith Ledger Financial service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Zenith, Zenith Cash, Zenith Cash Back and Zenith Saver are trademarks of BancVue, Ltd., registered in the U.S.A.