*Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account. **APY = Annual Percentage Yield. Rates are accurate as of 03/01/2023. Balances over $500 earn 0.05% APY. The APY may change after account opening. Minimum amount to open a Start Savings is $5. You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. ^All rates and terms are accurate as of 03/01/2023, Contact us for updated rate information. Annual Percentage Rate (APR) is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 8.00%) plus a margin. Annual Percentage Rate (APR) ranges for the Start Credit Card Program is 12.74%-21.74%. Rate will be based on your credit qualifications. All loans are subject to underwriting approval. Foreign currency conversion fee of up to 1.00% may apply. †Subject to credit approval. Finance up to 100% of MSRP/Kelley Blue Book. Collateral mileage must be less than 100k. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. ‡Start Personal loans are subject to credit approval. Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.