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Personal Checking Account Special Offers

Platinum Checking

$400$2001 Bonus

2.00% APY2 on balances up to $50,000.00

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Personal Account Fee Schedule

1Eligibility Requirements: This offer is for new consumer checking customers only. Existing customers with loans, savings, or business checking accounts are eligible for the offer. You are not eligible for this offer if: (1) You are a current Wisconsin Bank & Trust, a division of HTLF Bank consumer checking account primary or joint owner or (2) You have received a bonus for opening Wisconsin Bank & Trust, a division of HTLF Bank consumer checking account within the past 12 months. Bonus Requirements: To receive the $200.00$400.00 bonus, you must have accumulated a total of $5,000.00$7,500.00 or more in direct deposits made into this account, within 90 calendar days of opening. If the 90th calendar day falls on a weekend or holiday, the following business day will be used to qualify for the promotion. A qualifying direct deposit is an ACH (Automated Clearing House), automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer, agency or company making these payments that they use the ACH network. Transfers from one account to another, mobile deposits, Person to Person payments (such as Zelle®) or deposits made at a branch or ATM do not qualify as a direct deposit. Bonus Payment: All bonus dollars will be paid within 5 business days after the qualification requirements are met and will be deposited into the newly opened Platinum Checking account. Closing the account will negate any unearned or unpaid bonus. The bonus will be paid to the account opened first if multiple checking accounts are opened during the promotional bonus period under the same primary owner’s name. There is a limit of one bonus per new consumer account relationship. An IRS 1099 form may be issued. You are responsible for any federal, state, or local taxes due on the bonus and will report income to the tax authorities if applicable. Consult your tax advisor. Additional Terms and Conditions: The offer may be discontinued or changed at any time without notice. Geographic restrictions may apply. Account opening is subject to approval.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 02/23/2024. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 1.98% with an annual percentage yield of 2.00%. An interest rate of 1.00% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 2.00% to 1.20% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 1.20%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per Statement will be refunded if at least one direct deposit posted within the Statement. $7,500.00 average daily balance required to avoid $12.00 maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day of the Statement period and dividing that figure by the number of days in the Statement period. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 02/23/2024. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 1.98% with an annual percentage yield of 2.00%. An interest rate of 0.01% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 2.00% to 0.41% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 0.41%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per Statement will be refunded if at least one direct deposit posted within the Statement. $7,500.00 average daily balance required to avoid $12.00 maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day of the Statement period and dividing that figure by the number of days in the Statement period. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.

2Platinum Checking interest rate and Annual Percentage Yields (APY) are accurate as of 02/23/2024. If your daily balance is $50,000.00 or less, the interest rate paid on the entire balance will be 1.98% with an annual percentage yield of 2.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is $50,000.01 or greater. The annual percentage yield for this tier will range from 2.00% to 0.60% depending on the balance in the account. $250,000.00 was used as the example deposit balance amount for the APY calculation of 0.60%. Rates and terms may change after the account is opened. Minimum deposit to open account is $500.00. Fees may reduce earnings. Foreign ATM fees of up to $20.00 per Statement will be refunded if at least one direct deposit posted within the Statement. $7,500.00 average daily balance required to avoid $12.00 maintenance fee. The average daily balance is calculated by adding the current balance in the account for each day of the Statement period and dividing that figure by the number of days in the Statement period. Platinum Checking is a Consumer Checking account. Only Platinum Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion.