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High Interest Checking:

1.Annual Percentage Yield (APY) is accurate as of 1/3/2022. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 4.00% to 0.10% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Rate may change after account is opened and after promotional period.Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. New accounts are subject to bank account opening requirements and applicants must be residents of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties within New York State. Minimum deposit to open $15. Fees may reduce earnings. Promotion may end without notice. Member FDIC.

2.Annual Percentage Yield (APY) is accurate as of 1/3/2022. If your daily balance is $15,000 or less, the interest rate will be 1.98% with an APY of 2.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 2.00% to 0.10% depending on the balance in the account, If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Rate may change after account is opened. Minimum deposit to open $15. Fees may reduce earnings.

3.Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. Intra?bank transfers and ATM transactions do not count as qualifying transactions. At least one electronic direct deposit of salary, pension, or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. Minimum deposit is $15. Meet account qualifications and earn up to $25 in refunds on ATM withdrawals each statement cycle.

4. Your standard internet, message and data rates apply when using our electronic banking services

5. $50 gift card offer applies to new High Interest Account checking relationships only. Eligible accountholders must select gift card from list of participating restaurants provided at account opening. Gift cards are issued by the participating restaurants and subject to the terms, conditions & restrictions of the issuer. Minimum deposit at account opening is $15. Current checking account holders or those who have closed an account within the last 90 days are not eligible for this offer. Limit one new checking account and gift card per tax ID. Bank rules and regulations apply. $50 gift card is subject to 1099 reporting. To qualify for the $50 gift card, direct deposit must be received within 90 days of opening the qualified checking account. A qualifying direct deposit is an electronic deposit of your salary, pensions, or government benefits such as Social Security from your employer or the government. If account is closed within 6 months of the open date, the gift card amount will be deducted from the closing balance. New checking account holder will receive $50 gift card sent to the mailing address on file, postmarked by July 15, 2022 if program requirements are met. Account must be in good standing and open at time of gift card fulfillment. Solvay Bank is not responsible for postal mail delays or delivery issues. New customers must use code GIFTCARD2021 when opening checking account to participate in this promotion. Promotion may end without notice. Terms and conditions subject to change. Solvay Bank reserves the right to substitute a gift of similar value.