Kasasa Cash: *Kasasa Cash-a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.  When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, Kasasa Cash:  An interest rate of 1.7500% will be paid on the portion of your daily balance that is less than or equal to $5,000 and the non-compounding Annual Percentage Yield for this tier is 1.7500%.  Tier 2:  An interest rate of .2000 will be paid on the portion of your daily balance that is greater than $5,000 resulting in non-compounding annual percentage yield for this tier ranging from 1.7500% to .2000%, depending on the account’s balance.  When your Kasasa Cash account qualifications are not met the interest rate paid on the entire balance will be .0499 with an annual percentage yield of .0500%. When your Kasasa Cash Back account qualifications are not met   the interest rate paid on the entire balance will be .0499 with an annual percentage yield of .0500%. Earn rewards by having the following transactions and activities in your Kasasa Cash Bank account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking.  Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account.  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 our bank as ATM transactions, debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.  “Monthly Qualification Cycle” means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through one (1) Business Day prior to the close of the current Statement Cycle.  “Statement Cycle” means the period of time for which Citizens National Bank of Cheboygan provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  APY = Annual Percentage Yield.  Rates and rewards are variable and at our discretion may change after account is opened without notice to you.  Fees may reduce earnings.  APY calculations are based on an assumed total account balance of $110,000.  $50 minimum deposit is required to open the account.  This account is not to be used for commercial purposes and there is a limit of 1 account per social security number.  Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.  There are no fees to open or close this account.  There are no recurring monthly service charges associated with this account.  Account approval, qualifications, limits and other requirements apply.  Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back: *Kasasa Cash Back-a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.  When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8 per Monthly Qualification Cycle. Earn rewards by having the following transactions and activities in your Kasasa Cash Bank account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking.  When your Kasasa Cash Back account qualifications are not met cash back on debit card purchases are not paid. Earn rewards by having the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking.  Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account.  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 our bank as ATM transactions, debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.  “Monthly Qualification Cycle” means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through one (1) Business Day prior to the close of the current Statement Cycle.  “Statement Cycle” means the period of time for which Citizens National Bank of Cheboygan provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  $50 minimum deposit is required to open the account. This account is not to be used for commercial purposes and there is a limit of 1 account per social security number.  Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.  There are no fees to open or close this account.  There are no recurring monthly service charges associated with this account.  Account approval, qualifications, limits and other requirements apply.  Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Tunes: *Kasasa Tunes-a free variable rewards checking account with no minimum balance that rewards accountholders with reimbursements on iTunes, Amazon.com and Google Play purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles. When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle earn up to an aggregate of $10 (which includes and applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases.  In order to be refunded, iTunes, Amazon.com and Google Play purchases must be made with your Citizens National Bank of Cheboygan Kasasa Tunes debit card and must post and settle to your account no more than sixty (60) days after the Monthly Qualification Cycle in which you qualified ends. Earn rewards by having the following transactions and activities in your Kasasa Cash Bank account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking. When your Kasasa Tunes account qualifications are not met no iTunes, Amazon.com, Google Play purchases are reimbursed.  Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account.  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 our bank as ATM transactions, debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.  “Monthly Qualification Cycle” means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through one (1) Business Day prior to the close of the current Statement Cycle.  “Statement Cycle” means the period of time for which Citizens National Bank of Cheboygan provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  Rewards are variable and at our discretion may change after account is opened without notice to you.  As a Sign Up Bonus to individuals at least 18 years of age who open and fund a new Kasasa Tunes account, our bank will refund up to an aggregate total of $20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first sixty (60) calendar days after your account is opened.  This refund will be credited to your account on the last day of the current statement cycle after your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account.  This bonus will be treated as interest for IRS (Form 1099 INT) reporting purposes.  Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited.  No minimum balance is required to obtain this bonus.  A $50 minimum deposit is required to open the account.  Limit one (1) account per social security number and one Sign Up Bonus per account per calendar year.  If your Kasasa Tunes account is closed within twelve (12) months of account opening, we will deduct the Sign Up Bonus at closing.  Sign Up Bonus will not be paid if accountholder switches into Kasasa Tunes from another Kasasa account that offered an account opening incentive to open the initial account.  This account is not to be used for commercial purposes and there is a limit of 1 account per social security number.  Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.  There are no fees to open or close this account.  There are no recurring monthly service charges associated with this account.  Account approval, qualifications, limits and other requirements apply.  Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., iTunes is a registered trademark of Apple, Inc.  Amazon.com is a registered trademark of Amazon.com.  Google Play is a registered trademark of Google, Inc.   Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.