Cross Keys Bank

With Gold Key Rewards Checking, a free, high-interest checking account from Cross Keys Bank, you receive amazing benefits (see bullet list below) when you meet the simple monthly qualifications.

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 with no minimum balance, free 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.

• 3.25 APY* paid on the portion of the balance up to $25,000
• 0.55 APY* paid on the portion of the balance above $25,000
• All accounts automatically qualify for the first cycle
• Reimburses up to $25 in ATM fees nationwide per month^†

Other Features

• Free Checking
• No Minimum Balance
• 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

*Annual Percentage Yield. †Per Qualification Cycle. Annual Percentage Yield. †Per Qualification Cycle. Annual Percentage Yield. †Per Qualification Cycle. Annual Percentage Yield (APY) accurate as of 2/1/10. There is no minimum balance on the Gold Key Rewards Checking account, and the Rate tiers are as follows; The Bonus Tier is 3.25% APY and applies to balances of $.01 - $25,000 (the CAP). The Above the CAP Tier (ATC) is 0.25% APY and applies to balances over $25,000. The Nonqualified Tier rate is 0.10% APY and applies to all balances if qualifications are not met. All balances will earn 3.25% APY to 0.25% APY as long as qualifications are met each statement cycle. 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. Fees may reduce earnings.

To meet these qualifications do each of the following each month^†:

• Minimum of 12 check card purchases (ATM usage does not count toward the 12 purchases)
• Either 1 Automatic Payment or 1 Direct Deposit transfer
• Enroll and receive eStatements (valid email address is required)
• Enroll and access Internet Banking (primary account holder must enroll)

†Per 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.