Centera Bank

With Reward Checking, a free, high-interest checking account from Centera Bank, you receive amazing benefits (see list below) when you meet the simple qualifications each monthly qualification cycle.

If there's a month you don't meet the qualifications, don't worry! There's no penalty and you still have a free checking account that earns a base rate of interest, has no minimum balance to maintain the account, online banking and bill pay. And you can get right back to earning a high rate and nationwide ATM fee refunds the next month you qualify.

To meet the qualifications, do the following each monthly qualification cycle:

• Have 10 debit card purchases post and clear (ATM usage does not count toward the 10 purchases)
• Have 1 Automatic Payment or Direct Deposit post and clear
• Receive your account statement electronically

Other Features

• Free checking
• No minimum balance to get the high interest
• Free Visa
• Free online bill pay
• All new accounts automatically qualify for the first monthly cycle

*Annual Percentage Yield. Rate Information: This account is an interest bearing account. If the average daily balance is less than $25,000.00, the interest rate paid on that portion of the balance will be 2.97%. The annual percentage yield for this tier will be 3.01%. If the average daily balance is more than $24,999.99 the interest rate paid on that portion of the balance will be 0.55%. The annual percentage yield for this tier will range from 4.01% to 0.55%. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account monthly, or if you do not meet the criteria established for qualifying for this rate. This account has specific criteria that must be met in order to receive the disclosed rate. These criteria are described below: 1. Have 10 debit card purchases post and clear (ATM usage does not count toward the 10 purchases). 2. Have 1 Automatic Payment or Direct Deposit post and clear. 3. Receive your account statement electronically In the event that any of the above criteria are not met, the interest rate and annual percentage yield will revert to the base of 0.10% and 0.10% respectively and will be applied to all balances. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the average daily balance method to calculate interest on you account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Account Fees: The following fees apply to this account: Monthly Dormant Account Fee: $5.00; Returned Check Fee: $20.00 per item; Returned Item Fee: $2.00 per item; Stop Payment Fee: $20.00 per item; Cash Item Collection: $10.00 per item; Garnishment Fee: $10.00 per item; IRS Levy Fee: $10.00 per item; Check Printing: varies with order; and Overdraft Fee: $20.00 per item.

Centera Bank was originally chartered in 1937 under the name of Haskell County State Bank. The original bank originated from the merger of three banks: Copeland State Bank, Satanta State Bank and Santa Fe State Bank. Haskell County State Bank formally changed its name to Centera Bank in 1999. Centera Bank has branches in Sublette, Satanta, Greensburg, Dodge City & Minneola. Centera Bank currently has assets of over $185 million, capital over $17 million and currently has 52 employees.