When qualifications are met: you will receive unlimited nationwide ATM fee refunds and either a premium rate or cash back on qualifying debit card purchases depending on your account.
C1st Cash: 3.00% APY will be paid on the portion of daily balance of $15,000 or less. Portion of daily balance over $15,000 earns an interest rate of 0.15%, resulting in an APY of 3.00% to .45% depending on the balance. The Annual Percentage Yields (APY's) are accurate as of the last dividend declaration date and subject to change without notice.
C1st Cash Back: 3.00% cash back on debit card purchases (PIN-based and signature-based) of $300 or less (maximum cash back of $9.00 per monthly qualification schedule), that post and settle to the account during that cycle period. ATM transactions do not qualify.
If qualifications not met: ATM fees will not be refunded. Additionally, on C1st Cash: entire balance will earn 0.03% APY, on C1st Cash Back: you will not receive cash back on your debit card purchases. Try again the next month.
Qualification Cycle: The qualification cycle for C1st Saver, Cash, or Cash Back products is defined as the calendar month; beginning on the first day of the current calendar month through the last day of the current calendar month.
C1st Saver: A C1st Saver account must be linked to either a C1st Cash or C1st Cash Back account. Actual interest amount paid may be less than advertised C1st Cash APY. The C1st Saver APYs may be less than C1st Cash APYs.
If qualifications in C1st Cash or Cash Back are met each monthly qualification cycle: (1) balances up to $15,000 in C1st Saver receive an APY of 0.50%; and (2) balances over $15,000 in C1st Saver earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. If qualifications are not met in the C1st checking accounts, all balances in C1st Saver earn 0.03% APY.
ATM RefundsNo limits on the number of ATM fees refunded in a qualification cycle. Any individual ATM fees higher than $4.99 will not be refunded.
You can apply for a Checking or Savings Account today from the convenience of your home!
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