Cornerstone Checking

Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with the product.

*Rewards will be credited to the account and reported as interest, and Fremont Bank may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the account credit.

1 Offer valid for new Fremont Bank Cornerstone personal checking clients only. Clients who currently have a personal checking account with Fremont Bank as a primary or secondary account holder are not eligible for this bonus.

2 A Direct Deposit of your salary, pension, Social Security or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.

3 Electronic bill payments using Bill Pay. You must be enrolled in Online or Mobile Banking to activate and use Bill Pay.

4 A qualifying debit card transaction is defined as a point-of-sale (POS) purchase transaction using your PIN (Personal Identification Number), purchases you sign for, internet, phone and mail order purchases, small dollar purchases that do not require a signature or PIN, and bill payments where payee processes the transaction as a credit transaction. Qualifying transactions from the same account but with different cards are combined. Transactions that do not qualify include ATM transactions, cash transactions and refund/return transactions.

5 To be deemed qualifying, all qualified activities must post to the account during the statement period.

6 e-Statements (electronic statements) are free but you must enroll in Online Banking and have a working connection to the internet with email capability. If you cancel e-Statements, your account will be subject to the paper statement fee beginning with the end date of the statement period in which e-Statements are canceled.

7 Receive an interest rate discount on your Fremont Bank home equity line of credit (“HELOC”) for maintaining ALP from a Fremont Bank personal checking account. Only one ALP discount per HELOC will apply. The removal of any discount will increase the rate.

8 ATM surcharges will be automatically rebated for any other bank-owned and operated ATM in the United States.

Mastercard® and the Mastercard Brand Mark are registered trademarks and Mastercard Global Service® and Mastercard Airport Concierge® are trademarks of Mastercard International Incorporated, used pursuant to a license.