1) $200 Checking Bonus available to new checking customers who reside in Bradford, Union, or Clay county and open an account in person at our Starke Branch by February 15, 2026; receive qualifying payroll direct deposit(s) totaling $1,000 or more in a single calendar month and must be posted to the new account within 60 days of opening and must remain active through at least 90 days from the account opening date; the account must remain open, active, and in good standing for at least 90 days; qualifying direct deposits must be ACH deposits of payroll, pension, or government benefits made by your employer, pension administrator, or government agency; person-to-person transfers, mobile payment transfers, and transfers from other bank accounts do not qualify; accounts opened Online do not qualify; bonus will be credited within 30 days after all eligibility requirements are met; only 1 bonus per customer, per tax ID; bonus may be subject to tax reporting. 2) Eligible checking accounts include Essential and Essential Seniors Checking, which require a minimum opening deposit of $25, and Enhanced, Elite, Employee Advantage, and Community Heroes Checking, which require a minimum opening deposit of $50. Account terms, monthly service charges, and balance requirements vary by account type. Elite Checking is an interest-bearing account: Daily balances of $5,000 to $49,999.99 will earn an interest rate of 0.01% with an annual percentage yield (APY) of 0.01%. Daily balances of $50,000 and above will earn an interest rate of 0.03% with an annual percentage yield (APY) of 0.03%. Contact the branch for additional rate information. Rates are accurate as of November 14, 2025, and are subject to change after account opening; fees could reduce earnings.