¹Maintain $80,000 combined monthly average balance. If you maintain the required balance we will either waive or refund the below balance maintenance fee. The combined monthly average balance is based on collected balances for qualifying relationship deposit accounts per statement cycle. Qualifying relationship deposit accounts include retail and business checking, Money Market, savings and time deposit accounts with primary, joint, authorized signer, trustee, beneficiary, director, partner, minor and shareholder relationships. Collected balance means we only include those funds for which we have actually received payment. The combined monthly average balance is calculated by adding the closing balance in the account(s) at the end of each day and dividing the total by the number of days in the statement cycle (interest paid by the Bank is not included). BanescoSelect products are eligible for additional reward benefits as stated in this product guide. Balances up to but not including the statement date will be considered.

²Debit cards are available for checking accounts.

³Replacement Card, if lost. Express Order $75 per card.

⁴Debit card transactions outside the United States are subject to a cross border fee of the total transaction amount.

⁵W/D SVC (Non Banesco owned ATMs): In addition to this fee, the other institution may charge you an additional fee that is beyond our control.

⁶Includes incoming and outgoing wires.

⁷One order of standard checks per calendar year when ordered via your BanescoSelect Relationship Manager. Available for checking accounts.

⁸Applicable to International accounts only.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

*Reimbursement applied as an account credit at the end of the statement cycle.