Cross Keys Bank

With Rewards Checking, a free, high-interest checking account from Cross Keys 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 12 check card purchases post and clear (ATM usage does not count toward the 12 purchases)
• Have Either 1 Automatic Payment or 1 Direct Deposit post and clear
• Enroll and receive eStatements (valid email address is required)
• Enroll and access Internet Banking (primary account holder must enroll)

Other Features

• Free checking
• No minimum balance to get the high interest
• Free Visa Debit Card (subject to credit approval)
• Free online banking
• Reimburse $5 Online Banking Bill Pay fee if qualifications are met!
• No minimum balance
• Unlimited check writing
• Free eStatements
• Telephone Banking
• All new accounts automatically qualify for the first monthly cycle

*Annual Percentage Yield. Annual Percentage Yield. †Per Qualification Cycle. Annual Percentage Yield. †Per Qualification Cycle. *Annual Percentage Yield (APY accurate as of 08/30/11). Minimum to open account is $100. Rate tiers are as follows: 2.50% APY applies to balances of $.01 - $10,000 and 0.50% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.50% APY to 0.50% APY if monthly qualifications are met. Fees may reduce earnings. Restrictions apply to personal accounts only. No commercial accounts may participate in this program. At our discretion, we may change the interest rate paid on all Tiers, and/or the CAP at any time. You may have only one Gold Key Rewards Checking account per primary account holder. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. **ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle.

At Cross Keys Bank our Mission Statement is simple: “Our mission is to help our customers succeed.” Since our beginning in 1902 we have served the people and the communities of Northeast Louisiana by providing products and customer service as a package. They just go together. For 17 consecutive years we have received the highest award, a 5-Star rating, from Bauer Financial, Inc., a national independent service which rates banks on their financial conditions, including safety and soundness. With a full range of banking services in addition to mortgage loans, insurance and investments, we are ready to meet the needs of our customers.