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My Rewards Checking Truth-in-Savings Disclosure
– My Rewards Checking is a tiered rate account. The dividend
rate and annual percentage yield (APY) may change every month. We may
change the dividend rate for your account as determined by the Credit Union board
2. At the end of each qualification cycle,
of directors or such authorized officers.
• The Bonus Rate is paid on the portion of your daily balance up to $10,000
when the My Rewards Checking qualifications are met. The respective div-
idend rate and APY are described in the Credit Union’s Rate Sheet or your
the qualifications and let you know if you
• The Second Tiered Rate is paid on the portion of your daily balance over
$10,000 when the My Rewards Checking qualifications are met. The
qualify or do not qualify for the rewards.
respective dividend rate and APY are described in the Credit Union’s Rate
Sheet and wil be reflected on your periodic statement as a blended yield.
• The Base Rate is paid when the My Rewards Checking qualifications are
not met. The respective dividend rate and APY are described in the CreditUnion’s Rate Sheet or your periodic statement.
Compounding and crediting
– Dividends wil begin to accrue on the business
day you deposit cash, checks and other noncash items into your account.
Dividends wil be compounded monthly and credited to your account on the last
day of each statement cycle.Dividend period
– For this account type, the dividend period is monthly and is
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based on the qualification cycle.Minimum balance requirements
– The minimum balance required to open this
account is $25.00. You must maintain a positive balance in your account each day
to obtain the disclosed annual percentage yield. Daily balance computation method
– Dividends are calculated by the daily bal-
ance method which applies a daily periodic rate to the balance in the account each
*ATM fee refunds up to $25.00 on ATM withdrawals from your My
– To qualify for My Rewards Checking rates, we ask that
Rewards Checking account, provided only if qualifications are met within
• Have at least 10 signature based debit card purchases post and clear the
**Minimum balance to open the account is $25.00. No minimum balance
required to maintain the account. Qualifying purchases or other transac-
• Elect to receive your monthly statements electronical y (e-Statements),
tions must post and clear the account during the qualification cycle.
which are accessed through Interra Online banking. (A valid e-mail address
Purchases/Transactions may take one or more business days from the
transaction date to post to an account from the date the purchase/trans-
• Have at least one direct deposit or one automatic debit post and clear the
action is made. Intra-bank transfers do not count as qualifying transac-
tions. PIN based purchases do not count toward qualifying debit card
Purchases/Transactions may take one or more business days from the transac-
tion date to post to an account from the date the purchase/transaction is made.
Intra-credit union transfers do not count as qualifying ACH transactions. PINbased purchases do not count toward qualifying debit card purchases. Debit card
For complete account information, please
transactions processed by merchants and received by the Credit Union as ATMtransactions do not count towards qualifying debit card transactions. Only debit
refer to the disclosure on the back panel of this
card transactions processed by merchants and received by the Credit Union as
POS transactions count towards qualifying debit card transactions. If monthlyqualifications are not met, you wil stil earn the Base Rate on your account.
– The qualification cycle means a period beginning one day
prior to the first day of the current statement cycle through one day prior to the
close of the current statement cycle. For example, a qualification cycle beginning
September 30 would end October 30. The next qualification cycle would begin
October 31 and end November 29. Al other qualification cycles would fol ow this
same pattern.ATM fee reimbursements/refunds
– If you have met your qualifications for the
month, we wil refund domestic ATM fees on ATM withdrawals from your My
Rewards Checking account, up to $25.00 per qualification cycle. Refunds wil be
reimbursed on the last day of each statement cycle. ATM surcharges over $4.99
are not automatical y refunded, but may be manual y refunded by a credit union rep-
resentative with the presentation of a receipt within 10 business days fol owing the
month that the My Rewards Checking qualifications were met.
Fees and charges
– The fees and charges set forth in the Credit Union’s Fee
Schedule may be assessed against your account(s).
– No transaction limitations apply to this account unless
otherwise stated in the Common Features section of the Membership and Account
Services Agreement and Disclosures brochure. IRS reporting
– If the reimbursement of ATM fees exceeds $10.00 in a year, they
are considered a bonus for the purposes of Regulation DD. If the total income
totals $600.00 or more in a taxable year, the Credit Union wil issue you a 1099
Your deposits are insured to $250,000 per account.
By members’ choice, this institution is not federal y insured.
Those are Some Big Shoes to Fill!
My Rewards Checking from Interra Credit Union offers you:
What is a signature-based debit card purchase?
• High rate paid on balances up to $10,000
Purchase transactions process one of two ways
• ATM fee refunds nationwide – up to
with your debit card. One is PIN-based, when
you enter your 4-digit PIN. Al other transactions
are considered “signature-based,” whether you
actually sign or not. For example, a debit card
“signature-based” transaction, but you don’t
purchases post and clear your account.
Member number: ___________________________
• Have at least one direct deposit or an ACH
A signature-based debit card purchase processes
auto debit post and clear your account.
through the MasterCard® system, even though the
• Enrol in and receive e-Statements.
funds are withdrawn from your checking account.
If you want a signature-based transaction, alwayschoose “credit.”
State: ______________ Zip: _________________
What happens if I do not meet the rewards qualifications?Don’t worry. Your checking account is still
E-mail address: ____________________________
free and you can start over to earn the rewards
during the next qualification cycle. Dividends wil
It is an automatic payment you set up to be
Home phone: ______________________________
be paid at a base rate on your balance.
directly deducted from your account. It may be aregular insurance premium, utility payment, or
Other phone: ______________________________
What if the account balance is below $10,000?
You're in luck! The rate applies to any balance
• Requests the described services and agrees to the terms and
e-Statement registration – Get an EZ $10!
conditions governing the services, including any fees andcharges as set forth in the Credit Union’s fee schedule.
• Acknowledges receipt of agreements and/or disclosures
What if the account balance is above $10,000?
applicable to the account or services requested.
You'l stil earn a rate higher than the regular
• Understands that the terms of this additional account and/or
2. Choose the e-Statements tab in Interra
service are governed by the terms and conditions applicable to
checking rate on balances over $10,000, too.
the existing Membership Account Agreement, as amended from
time to time, including, but not limited to, account ownership.
• Certifies that al information is accurate and complete.
Karen R. Hurd In fulfil ment of requirements for Chemistry 399, Fal 2010 University of Wisconsin-Eau Claire, Warren Gal agher, Ph.D. Enterohepatic Recirculation Clearing of Metabolic Waste via Enterohepatic Recirculation Table of Contents Introduction . 2 A General Description of Enterohepatic Recirculation . 2 The Nature of Bile Acids and Bile Salts and Their Role in Enterohepat
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