Kasasa Cash® Checking

Earn a high rate plus ATM withdrawal fee refunds*

• Checking that earns high interest
• 2.00% APY* on balances up to $25,000
• 2.00% to 0.25% APY on balances over $25,000 depending on balance in account*
• 0.03% APY* if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Can link to interest-bearing Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fees
• $25 minimum deposit to open

Qualifications

To earn your rewards, the following enrollments must be in place and all of the following transactions and activities must post and
settle to your Kasasa Cash account during each Monthly Qualification Cycle:

• At least 1 direct deposit or ACH credit transaction
• At least 12 PIN-based / signature-based debit card purchases
• Be enrolled in and have agreed to receive e-statements only rather than paper statements

Even if you don't qualify during your Monthly Qualification Cycle, your account is still active, and you’ll still earn the base rate. Plus, you can get right back to earning your full rewards the very next cycle.

Apply in Minutes or Visit Us to Open Your Account

* Disclaimers & Disclosures:

* Qualification Information:

Account transactions and activities may take one or more 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 our bank as ATM
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 last business day of the current statement cycle.

See our website (www.ocsbank.com) or contact one of our customer service representatives for specific Monthly Qualification Cycle dates.

* Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in
your Kasasa Cash account earn an interest rate of 1.981% resulting in an APY of 2.00%; and daily balances over $25,000 earn an interest
rate of 0.249% on the portion of the daily balance over $25,000, resulting in a range from 2.00% to 0.25% APY depending on the account's
daily balance.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash
account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information
we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the
reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee
reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not
reimbursed nor refunded.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. 

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. 

APY = Annual Percentage Yield. 

APYs accurate as of 12/08/2020 

APY calculations are based on an assumed balance of $25,000 + $9,999,999,999 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. 

Additional Information: 

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.