Personal Checking

Make Everyday Banking Rewarding

with an Elite Reward Checking Account

Our Elite Reward Checking account helps you grow your balance while giving you the convenience of fee-free ATM access and modern digital banking. Shop around and you’ll see—we’ve got the best checking account interest rate around!

Earn 4.06% APY* on balances up to $25,000 when qualifications are met

Unlimited free ATM reimbursements

No minimum balance

Open with as little at $10

Qualify for a high-interest Companion Savings account

Elite Reward Checking Overview

Account	Minimum to Open	Minimum Balance to Earn APY*	Interest Rate	APY*	Compunding Frequency
Elite Reward Checking	$10
	If requirements are met	$0.01-$25,000.00	4.00%	4.06%	Monthly
	For Balances over $25,000.00	$25,000.01	0.25%	4.06%-0.25%	Monthly
*Variable rate, may change after account is opened. Advertised annual percentage yield (APY) valid as of 2/23/2026. For balances over $25,000.00 APY may vary between 4.06%–0.25%. Fees may reduce earnings. To qualify for our higher interest rate, every monthly qualification cycle you must: have at least FIFTEEN (15) Debit Card purchases post and clear, have at least ONE (1) ACH Direct Deposit post and clear, and you must receive electronic statements. Qualification cycle is the last business day of the month. If that business day falls on a federal holiday, your statement will cutoff on the preceding business day. APY of 0.25% applies if qualifications are not met. Limited time offer. Minimum of $10 to open. For full terms & conditions, visit: BankGloucester.com/disclosures.

More Ways to Bank Smarter

Essential Checking Account

Enjoy simple, straightforward banking designed for everyday needs with convenient access to the most advanced digital tools.

● No minimum balance
● No monthly fees
● Earn debit rewards on purchases
● Access Bill Pay and Person-to-Person payments

Open An Account

Student Checking Account

Start building smart financial habits with a Student Checking account designed for everyday independence.

● No minimum balance
● No monthly fees
● Receive up to $20 in monthly ATM fee reimbursements
● Access Bill Pay and Person-to-Person payments

Open An Account

Which BankGloucester Checking Account Is Right for You?

	Elite Reward Checking	Essential Checking	Student Checking
Earns Interest	Yes, 4.06%-0.25% APY*	No	No
Monthly Service Charge Fee	None	None	None
Minimum Balance	None	None	None
ATM Fee Reimbursements	Unlimited	None	Up to $20/month
Debit Rewards	Yes	Yes	Yes
Bill Pay	Yes	Yes	Yes
P2P (Person to Person Payments)	Yes	Yes	Yes
Financial Management Tool	Yes	Yes	Yes
Digital Wallet Compatibility	Yes	Yes	Yes
Debit Card Control	Yes	Yes	Yes
High Interest Companion Savings	Yes	No	No
*Variable rate, may change after account is opened. Advertised annual percentage yield (APY) valid as of 2/23/2026. For balances over $25,000.00 APY may vary between 4.06%–0.25%. Fees may reduce earnings. To qualify for our higher interest rate, every monthly qualification cycle you must: have at least FIFTEEN (15) Debit Card purchases post and clear, have at least ONE (1) ACH Direct Deposit post and clear and you must receive electronic statements. APY of 0.25% applies if qualifications are not met. Limited time offer. Minimum of $10 to open. For full terms & conditions, visit: BankGloucester.com/disclosures.