Gold Checking Frequently Asked Questions:

Gold Checking Frequently Asked Questions: What are the benefits of Gold Checking? High- dividend on balances up to $15,000. Nationwide ATM fees refunded up to $25 a month. Free Online and Mobile Banking Free Online and Mobile Bill Pay Free Finance Works Financial Management Tool Free online Debit Rewards What are the qualifications that must be met to qualify for the monthly benefits on this account? Make 12 debit card purchases (Non- ATM. Transactions must post before the end of the month). Receive your monthly account statement electronically. Set up one Direct Deposit, authorize one automatic payment from your account, or use online bill payment at least once during the month (transaction must post before the end of the month). How often must the qualifications be met to qualify for Gold Checking benefits? The qualifications must be met each month. What happens if I do not meet the qualifications for Gold Checking? Your checking is still free and you can start over the next cycle to earn the benefits. Are there any monthly service fees? No. There are no monthly service fees on Kitsap Credit Union s Gold Checking accounts. Can the APY (annual percentage yield) change on my Gold Checking account? Yes, all rates on Gold Checking may change. Current rates are available on our website at kitsapcu.org, or ask for a copy of our Rate Disclosure at a branch location near you. Is this just a teaser rate? No, this is a high Annual Percentage Yield account. However, Gold Checking rates may fluctuate from time to time. If I meet the qualifications, when will I receive my benefits? Dividends are paid monthly and posted on the last day of the statement cycle. If I use another financial institution s ATM and pay a fee, when will I get my refunds? If the qualifications are met, ATM fees will be refunded on the last day of the month. Federally insured by NCUA

Do I have to do anything in order to get my ATM fee refunds? Members who meet the Gold Checking qualifications will receive up to $25.00 in domestic ATM fees refunded for that month (this includes both surcharges charged by the ATM owner for using their machine as well as any Kitsap Credit Union s ATM usage fee for not using an ATM owned by Kitsap Credit Union.) If the Gold qualifications are not met, the ATM fees are not refunded. Are fees refunded on ATMs used internationally? No. Refunds are made for use only with domestic ATMs. I have direct deposit but sometimes it posts at the end of the month and sometimes at the beginning. Will I qualify for Gold Checking? You must have a direct deposit, automatic payment, or bill payment post to your account during the calendar month to qualify. Since direct deposits may post at the beginning or end of the month, we recommend that you have more than one of the qualifiers. For example, direct deposit and an automatic payment. Or, direct deposit and use the online/mobile bill payment. How will I know that I have qualified for my Gold Checking benefits at the end of the cycle? You will receive an email stating whether or not you met the qualifications each month. You can also log into online or mobile banking any time to review your account activity and confirm that you have met the minimum account qualifications. Will Gold Checking members receive a 1099 at the end of the year reflecting dividends earned? If my account balance goes negative, will I still be able to qualify for my benefits during that cycle? Yes, as long as the qualifications are met. If I fail to meet the qualifications during the month, can I still have a chance to qualify during the next month? Yes, of course! What is Finance Works? Finance Works is a FREE financial management tool built into our online banking product. You can aggregate your financial accounts, track your spending, and more. What is the Debit Rewards program? Debit Rewards allows you to earn cash at retailers you already know and love. Best of all it s Free. Debit Rewards are accessed via online banking simply click on the Debit Rewards offers you want to use. Shop at participating retailers you ve selected using your Kitsap Credit Union Debit Card, and any applicable cash back will be automatically credited to your account that month.

What is the statement cycle for Gold Checking? The statement cycle begins on the first day of the month and ends on the last day of the month. Qualifying transactions must be posted to the account on or before the last day of the month. What is the qualification cycle? A qualification cycle is the period beginning with the first business day of the month and ending at 5:00 p.m. on the last business day of the month. Will all Gold Checking members be on the same cycle? If an existing member converts to a Golds Checking account, will his/her statement cycle change? No. All Kitsap Credit Union checking accounts are on the same statement cycle. If I use my Visa debit card at an ATM, will that transaction count towards my qualifications? No. Only non- ATM, point- of- sale transactions count and they must be posted to the account on or before the last day. What is a settled transaction? A settled transaction is one that has posted to your account. For some debit card transactions, the funds are placed on hold and may take up to three days to actually settle or clear your account. May I carry forward Visa debit card transactions in excess of the required number to the next cycle? No. You must meet the qualifications each month. Must I access my electronic statement online in order to qualify for the benefits of Gold Checking? You must choose to receive your monthly statements electronically with a valid e- mail address rather than in paper, delivered via the U.S. Postal Service. How do I access my electronic statement? You will receive an email when your electronic statement is available to view. Log into your online banking at kitsapcu.org, then click on the Statement tab. Click on the date of your statements to view it, print it, or save it to your computer s hard drive. You ll also find the monthly member newsletter and any other important member information by scrolling down the list. Do I receive images or checks back with my Gold Checking account? Most check images are available for you to view through the history in online banking. Can I have a Gold Checking account if I don t own a computer? Yes, of course! You don t have to own a computer, but you must provide a valid e- mail address for notification of availability of each electronic statement. You can access email through most public libraries, some senior

centers, or at the computer kiosks located at Kitsap Credit Union branches. What if I need a printed copy of my statement and/or check image? You can print a check or statement from your computer. Additionally, Kitsap Credit Union keeps records of all statements and checks as required by state and federal laws. What if I change my e- mail address? You must notify the Credit Union when your e- mail address changes so that we can deliver your notification of your statement availability. What if I don t want my statement delivered electronically? Electronic statement delivery is a requirement for all Gold Checking accounts to receive the benefits. Delivery of paper statements is still an option if you choose not to have a Gold Checking account. Is there a limit on the amount of money I can keep in my Gold Checking account? There is no limit to the amount you may put into your account. Is there a minimum balance requirement in order to receive my benefits? No. What is the minimum opening balance for a Gold Checking account? $25.00. Is there a limit on the amount of ATM refunds that I can receive during a statement cycle? You can receive up to $25 per month in domestic ATM fees when qualifications are met (this includes both surcharges charged by the ATM owner for using their machine as well as Kitsap Credit Union s ATM usage fee for not using an ATM owned by Kitsap Credit Union.) Is overdraft protection available for Gold Checking accounts? Will I be able to use my existing Debit Card, and checking account number with my Gold Checking account? Yes, if your account is already a Kitsap Credit Union account, everything will remain the same, except that your account will be coded as a Gold Checking account. How do I convert my current checking account to a Gold Checking account? There is no paperwork necessary. Simply stop by one of our offices or call us at 360-662- 2000, or 1-800- 422-5852, or use secure Chat or email through online banking to talk with a Kitsap Credit Union Financial Service Representative about changing your account to Golds Checking. Can I open a Gold Checking account over the phone? If it is a new account, you can open the account online at kitsapcu.org. If you are switching an existing Kitsap Credit Union checking account to a Gold Checking account, we can help you make the change over the phone. Can I open multiple Gold Checking accounts?

No. Each member household may have one personal Gold Checking account. Can a business or DBA use this account? No. Gold Checking is only available on personal, consumer accounts. Can this be used as a business account? No.