Private Bank Checking

*Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rate may change after account opening. Dividends earned on balances up to $2,000 when monthly requirements are met; enroll in eStatements, deposit $500 or more into your account each month, and complete at least 15 combined debit and/or credit transactions. Only deposits from external accounts outside of GTE are valid towards the $500 requirement.

1 Federally Insured by NCUA up to $250,000.Additional amounts available by adding joints and beneficiaries. Share Insurance Estimator can show you how adding ownership categories can increase your coverage.

2 Overdraft Protection–Please refer to the Member Account Disclosures and Agreement and Member Schedule of Current Charges for a more thorough explanation of when an overdraft occurs and when a fee may be assessed for overdrawing your account. GTE Financial will pay overdrafts at our discretion; there is no guarantee of payment. If an overdraft is not authorized, your transaction will be denied and may be subject to a Non-Sufficient Funds fee, which will be assessed to the account that goes negative.

3 Same Day/External Transfers – External and same day transfers are subject to terms and conditions. Transfer limits apply. Eligibility is determined by account history. Please refer to Member Schedule of Current Charges for when a fee may be assessed.

4 Mobile Deposit– Subject to GTE Financial Remote Deposit Capture terms and conditions. Deposits may not be available for immediate withdrawal and daily limits apply. Eligibility is determined by account history.

5 Bill Pay– There is no monthly service fee for Bill Pay. Account fees may apply to your account that you make Bill Pay payments from, please refer to the Member Schedule of Current Charges for when a fee may be assessed. Terms and conditions apply.*The descriptions above are summaries only. Please refer to the actual guide to benefits for complete details of coverage and exclusions. Coverage is provided through the company listed in the guide to benefits.

6 Members must opt into GTE Private Banking Membership or accept the invitation to become a Private Bank Member, be working with a Private Banker, and they must maintain a $250,000 total household asset relationship in any combination of services GTE offers. GTE Financial, GTE Investments, GTE Insurance, or GTE Business Services. Loans and equity do not count towards this minimum. Go Full Access Checking is not included in this offer.

7 Qualifying for Private Bank Checking requires you to be qualified as a Private Bank Member with a GTE and/or GTE Investments relationship of $500,000 or more.

8 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

9 Registration/Activation required.

10 This is not insurance. Insurance products are not insured by NCUA or any Federal Agency; not a deposit of or guaranteed by the credit union or credit union affiliate. Visit Online Banking for full details and to manage your GTE Secure benefits.

11 Business Checking monthly fee waived by having the following GTE Financial relationship; A member of GTE Private Banking and a GTE Business Banking Checking account.

12 Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisors LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. 711 E Henderson Ave Tampa, FL 33602; 888.972.5257; Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

13 While accounts can be opened with $0.00, certain funding methods, like debit cards, may require a higher minimum amount.