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Kasasa Cash:

*Qualifications Information: Account transactions and activities may take one or more banking days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts or transactions and purchases made with non-Ocean Communities issued debit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. 

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 2.51%; and balances over $10,000 earn 0.40% interest rate on the portion of balance over $10,000, resulting in a range from 0.59% to 2.51% APY depending on the account's balance and (2) you will receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded.Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 07/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. You must first fund a Share account with Ocean Communities FCU ($25) to open a free Kasasa Cash account. Monthly Direct Deposit/ACH credit, enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Ocean Communities service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa & Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.

Overdraft Protection: Ocean Communities offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: Overdraft Fee ($30) for each item we pay; Nonsufficient Funds Fee ($30) for each item we do not pay; Account Overdrawn Fee ($5/day) is charged commencing on the second day an account is overdrawn; and Overdraft Transfer Fee ($5), if you are enrolled, for each item we pay through the transfer of available funds. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Ocean Communities reserves the right to require the account holder to pay an overdraft immediately or on demand. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.

Kasasa Cash Back:

*Qualifications Information: Account transactions and activities may take one or more banking days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts or transactions and purchases made with non-Ocean Communities issued debit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 1.00% cash back on debit card purchases that post and settle to the account during that cycle period up to $900 spend. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. You must first fund a Share account with Ocean Communities FCU ($25) to open a free Kasasa Cash Back account. Monthly Direct Deposit/ACH credit, enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Ocean Communities service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.

Overdraft Protection: Ocean Communities offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: Overdraft Fee ($30) for each item we pay; Nonsufficient Funds Fee ($30) for each item we do not pay; Account Overdrawn Fee ($5/day) is charged commencing on the second day an account is overdrawn; and Overdraft Transfer Fee ($5), if you are enrolled, for each item we pay through the transfer of available funds. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Ocean Communities reserves the right to require the accountholder to pay an overdraft immediately or on demand. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.

Kasasa Tunes:

*Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $30 (which includes any applicable taxes) for iTunes /Amazon.com purchases, made with your Ocean Communities Kasasa Tunes debit card that post and settle to your account during the first 30 calendar days after your account is opened. This refund will be credited to your account on the last day of the statement cycle in which your aggregate iTunes /Amazon.com purchase threshold of $30 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum balance is required to obtain this bonus. You must first fund a Share account with Ocean Communities FCU ($25) to open a free Kasasa Tunes account. 

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and purchases made with non-Ocean Communities issued debit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes / Amazon.com purchases. In order to be refunded, iTunes / Amazon.com purchases must be made with your Ocean Communities Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.

In addition, you will receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. 

When Kasasa Tunes qualifications are not met, iTunes / Amazon.com purchases and ATM fees are not refunded. iTunes / Amazon.com refunds and ATM fee reimbursements will be credited to your account on the last day of the statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Ocean Communities service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Rewards may change after account is opened. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Apple Inc. and Amazon.com are not participants in or sponsors of this program. Kasasa & Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A.

Overdraft Protection: Ocean Communities offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: Overdraft Fee ($30) for each item we pay; Nonsufficient Funds Fee ($30) for each item we do not pay; Account Overdrawn Fee ($5/day) is charged commencing on the second day an account is overdrawn; and Overdraft Transfer Fee ($5), if you are enrolled, for each item we pay through the transfer of available funds. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Ocean Communities reserves the right to require the account holder to pay an overdraft immediately or on demand. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.