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MAX1 Free Checking Disclaimer:

*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of August 16, 2018. Rate tiers are as follows: 4.01% APY applies to balances up to $15,000 and 0.40% APY applies to balances over $15,000 if Monthly Activity Requirements are met during the Monthly Qualification Cycle. 0.10% APY applies to all balances if Monthly Activity Requirements are not met. All balances will earn 4.01% APY to 0.40% APY if Monthly Activity Requirements are met. 4.01% APY and 0.40% APY guaranteed until Jan 1, 2020. Rates may be subject to change thereafter. Fees may reduce earnings. Qualifying transactions must post and settle to the account during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. ATM-processed transactions and Intra-bank transfers do not count towards qualifying debit card transactions. ATM Fee reimbursements up to $10.00 per Monthly Qualification Cycle provided only if Monthly Activity Requirements are met within the Monthly Qualification Cycle. Available to Personal Accounts only. Limited to one account per Social Security Number. No monthly service charge.  Monthly Qualification Cycle means a period beginning on the first day of the current statement cycle through the last day of the current statement cycle. 

**Customers must enroll in eStatements in order to have free bill pay.

***Free check offer valid to new customers only.

 

Focus Free Checking:

*2015 FOCUS Bank. Member FDIC. Effective September 26, 2017, bonus offer is only available to accounts opened inside a FOCUS Bank branch NOT ONLINE at www.focusbank.com and does not apply if you already have a FOCUS Bank checking account and may not be combined with any other offers. A $50 bonus will be paid for opening this account after the account has been open for 30 days. To be eligible for this bonus, the account balance must be positive on the 30th day after opening. Bonus will be paid within 10 days of qualification. An additional $25 will be paid if the customer enrolls for eStatements within the first 60 days after opening the account. Bonus will be paid within 10 days of qualification. An additional $25 will be paid if the customer has a recurring direct deposit of a minimum of $25 within the first 60 days after opening the account. Bonus will be paid within 10 days after direct deposit has been received and posted to the account. If the above requirements are not met with in the required time frames, the offer is no longer valid. Limited to one (1) account per household. A debit card is a requirement with this account. Your bonus will be reported as interest earned on IRS Form 1099 - INT and you are responsible for any applicable income taxes. Other restrictions may apply.

**Customers must receive eStatements in order to have free Bill Pay.

Fresh Start Checking:

All customers applying for a Fresh Start Checking account must have repaid any balances owed to FOCUS Bank before account will be opened. Any Fresh Start account with a negative balance for 60 days will be closed. All insufficient items will be returned and fees may be assessed.