Checking, rewards, plus fee waivers with qualifying activities

*APY = Annual Percentage Yield. Rates accurate as of July 16, 2026 and subject to change without notice. Fees may reduce earnings. Penalty for early CD withdrawal. Mortgage rate shown assumes excellent credit and 20% down; your rate may differ. APR = Annual Percentage Rate.

1 — In order for an ATM fee rebate to qualify, one or more ACH direct deposits from an employer payroll deposit, social security, or pension must post to your Everyday Checking Account totaling a minimum amount of $1,000.00 within the last 31 calendar days. Bank-to-bank transfers, account-to-account, and person-to-person transfers do not qualify. Rebates credit to your account by the end of each calendar day; the maximum rebate amount is $25.00 per calendar month. GoldCrest Bank reserves the right to cancel or modify the ATM fee rebate terms at any time with or without prior notice.

2 — Early direct deposit is a benefit provided by GoldCrest Bank and is not guaranteed; early deposit may be up to two days early of your actual payment settlement day and is contingent upon the receipt and processing of the deposit from your payer/employer. GoldCrest Bank does not have control over when your funds are received. For questions regarding your payment date, please speak with your payer/employer.

3 — We pay overdrafts at our discretion. Overdrafts of $50 or less incur no overdraft fee; standard fees apply above this threshold. Payment of overdrafts is not guaranteed and we do not authorize and pay all transactions. Overdraft protection is discretionary and requires enrollment.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC. Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. GoldCrest Bank is a fictional brand created for design purposes.