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Now you decide how to qualify for PayBack

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We’re giving you more choices to qualify for our high-yield PayBack Savings and IRA PayBack Savings accounts. Beginning Oct. 1, you can qualify by meeting four of six requirements.

PayBack offers competitive tiered dividend rates. When you qualify, we’ll also refund non-Family Trust ATM fees four times a month. We’ve eliminated free gift cards as a benefit of PayBack but they’ll be available free for everyone in November and December.

Members tell us they love the flexibility of PayBack, which provides a competitive interest rate and flexibility to make withdrawals as often as you like.

PayBack Requirements: Pick 4 of 6

Personal checking account with 10 signature transactions a month with a debit and/or credit card¹

Log into online or mobile banking once a month²

Direct deposit of at least $100 per month³

Active consumer loan⁴ with Family Trust

Mortgage loan⁵ with Family Trust

Use your credit card at least once a month⁶

Must meet four out of six qualifications each dividend period to earn the PayBack rate. If qualifications are not met, the rate earned will be equal to current prime share and IRA share rate respectively. (1) Must have a personal checking account in good standing (checking account exclusions: Business Checking and HSA Checking). And use a debit card and/or credit card as signature-based transaction a minimum of 10 times per month. Debit and credit card transactions must post and clear the account in order to be counted in the current cycle. Debit and credit card transactions processed as PIN-based or at the ATM do not qualify. (2) Must log in to online banking or mobile banking at least once per month to be considered active. (3) Must have a monthly ACH direct deposit of at least $100. (4) Active consumer loans include auto loans, personal loans, home equity loans, or home equity lines of credit. Must have at least one transaction per month to be considered active. A transaction is defined as a payment, purchase, cash advance, or balance transfer. (5) Mortgages originated with Family Trust, whether serviced or sold will qualify. (6) Must have at least one transaction per month to be considered active. A transaction is defined as a payment, purchase, cash advance, or balance transfer. (7) APY = Annual Percentage Yield. Rates effective July 1, 2016 and subject to change without notice after account is opened. No minimum deposit to open. Dividends are compounded and credited monthly.