Access Rewards Checking Rate and Fee Disclosures

Limitations: You must deposit $100.00 to open this account.

The account fees for this account are as follows:
 $6.00 monthly service charge assessed, and this fee cannot be waived
 An additional $5.00 fee monthly for paper statement
 Subject to a $5.00 per month inactive fee after 12 months for no deposit or
withdrawal activity within a 12-month time period
 Subject to a $10.00 per month dormant fee after 36 months for no deposit or
withdrawal activity within a 36-month time period
 After 5 years of no activity, this fee increases to $25.00 per month with a $75.00
unclaimed property remittance fee
 Subject to a $20.00 early closure fee if the account is closed within 90 days of
opening
 There is a $4.95 per transaction fee to make a cash deposit using your debit card
at a Wal-Mart cashier or other approved location according to our published list
This account comes with:
 a Visa debit card and access to a surcharge free network – MoneyPass
 TeleBank
 Online banking
 no Mobile deposit fee
 monthly e.Statements and e.Alerts
 No fee Cashiers Checks, Money Orders and Specialty Checks

ATM/Debit Card Disclosure: I/We hereby certify that the information provided
herein has been supplied truthfully, accurately, and voluntarily: and I/We authorize this
Financial Institution to make whatever inquiries; credit or otherwise, the Bank feels
necessary to evaluate my application. I/We agree that use of my card constitutes
consent to all then applicable state, federal and Bank agreements, rules, statutes and
regulations, including without limitation applicable agreements, rules, statutes and
regulations that make me liable for any transactions of any kind performed by myself or
anyone to whom I/We entrust my card.

By signing below, I/We acknowledge that I/We have received and reviewed the
system requirements to access one or both of the following services for which I/We will
enroll:
· Online Banking

P.O. Box 26458 Kansas City, Missouri 64105 Member FDIC www.afbank.com
· Electronic statements/notices also called e.Statements
I/We further acknowledge my ability to access and retain all of the disclosures, records
and other information that will be provided to me under the Deposit Account
Agreement, in an electronic format. I/We also confirm my consent to receive the
service(s) described in the Deposit Account Agreement electronically and accept the
terms and conditions of the Deposit Account Agreement.

Revised 9/1/22.

P.O. Box 26458 Kansas City, Missouri 64105 Member FDIC www.afbank.com