The name says it all. PossibilitiesCHECKING puts your money to work, earning 2.01% APY* on balances up to $15,000. You also get nationwide ATM fee reimbursements**, free online banking and free bill pay. Plus, there's no minimum balance required to get these amazing benefits. Tap into endless possibilities today.

Features:

• 2.01% APY* on balances up to $15,000 if qualifications are met each monthly qualification cycle
• 0.35% APY* on balances over $15,000 if qualifications are met each monthly qualification cycle
• Base rate of 0.10% APY* if qualifications are not met
• No monthly charge nor minimum balance to earn rewards
• PossibilitiesSAVER - An automatic savings solution that can be conveniently linked to your PossibilitiesCHECKING account
• ATM Fee Refunds Nationwide**
• Unlimited check writing
• Free ATM/debit card
• Free Online Banking with Bill Pay
• Free e-Statements
• Free TeleBanker access
• Direct Deposit available
• FDIC insured
• Minimum to open account is $100.00
• FAQs

To apply online - You must be:

• A resident of Kankakee County, IL
• U.S. Citizen or Permanent Resident Alien
• At least 18 years of age

Qualifications:

In order to get the PossibilitiesCHECKING APY* and ATM fee refunds**, simply meet the following easy qualifications each monthly qualification cycle:

Have at least 12 debit card purchases post and clear to your PossibilitiesCHECKING account per monthly qualification cycle

Have one Automatic Payment or Direct Deposit post and clear to your PossibilitiesCHECKING account per monthly qualification cycle

Receive e-statements

If qualifications are not met for a monthly qualification cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM fee refunds** for that time period.

Details:

Minimum to open account is $100.00.

*Annual Percentage Yield (APY) accurate as of October 4, 2011.

Rate tiers are as follows: 2.01% APY applies to balances of $0.01 - $15,000.00 and 0.35% APY applies to balances over $15,000.00 if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.35% APY – 2.01% APY if monthly qualifications are met for monthly qualification cycle.

The Annual Percentage Yield (APY) disclosed on the POSSIBILITIES Checking account assumes that interest earned in POSSIBILITIES Checking compounds. However, by choosing to have POSSIBILITIES Saver linked to POSSIBILITIES Checking, you understand that the interest earned in your POSSIBILITIES Checking account is automatically transferred into your POSSIBILITIES Saver account at the end of the statement cycle and therefore does not remain in your POSSIBILITIES Checking account and does not compound. Additionally, you understand that the interest amount earned in the POSSIBILITIES Saver account may be less than the interest amount earned in the POSSIBILITIES Checking account.

Rates may change at any time, including after your account is opened. Fees may reduce earnings. No minimum balance required to earn rewards.

Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM transactions do not count as qualifying debit card transactions.

** Nationwide ATM Fee reimbursements up to $5 per transaction, $25 per Monthly Qualification Cycle, provided only if qualifications are met within the monthly qualification cycle.

Available to Personal Accounts only. Limit one account per person (SSN).