Thrive Savings

• Free account that builds your savings effortlessly
• Links to free Thrive Rewards Checking or Thrive Cash Back Checking
• Automatic transfers of Thrive Rewards or Thrive Cash Back earnings
• 2.00% APY‡ on balances up to and including $100,000
• 2.00% to 1.25% APY on balances over $100,000 depending on balance in account‡
• 0.05% APY‡ on all balances if qualifications are not met in Thrive Rewards or Thrive Cash Back
• No monthly maintenance fee
• No minimum balance to earn rewards
• $50.00 minimum deposit to open

Qualifications to Earn the Higher Rate

Qualifying for your Thrive Rewards or Thrive Cash Back rewards automatically qualifies you for the highest Thrive Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Thrive Rewards or Thrive Cash Back account during each Monthly Qualification Cycle:

• At least 15 debit card transactions
• At least 1 direct deposit or ACH payment transaction(s)
• Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Thrive Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.

Visit your local Sturgis Bank branch to open your Thrive account today.

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Thrive Cycle Dates

‡ Thrive Savings for Thrive Rewards Checking

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, debit card purchases less than $3.00, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.sturgis.bank or contact one of our Personal Bankers for specific Monthly Qualification Cycle dates.

Reward Information:
When your linked Thrive Rewards Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Thrive Savings account earn an APY of 2.00% and daily balances over $100,000 earn an interest rate of 0.49886% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. When your linked Thrive Rewards Checking account qualifications are not met, the entire daily balance in the Thrive Savings account earns an interest rate of 0.04999% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Thrive Savings account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of July 17, 2024.

APY calculations are based on an assumed balance of $100,000 + $100,000 in your Thrive Savings account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the Thrive Rewards Checking account. $50.00 minimum deposit is required to open the Thrive Savings account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account(s) per primary Social Security Number. There are no recurring monthly maintenance charges or fees to open, close or convert this account. A Thrive Rewards Checking account is required to have a Thrive Savings account. A linked Thrive Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our Personal Bankers for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

‡ ‡ Thrive Savings for Thrive Cash Back Checking

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, debit card purchases less than $3.00, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.sturgis.bank or contact one of our Personal Bankers for specific Monthly Qualification Cycle dates.

Reward Information:
When your linked Thrive Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Thrive Savings account earn an APY of 2.00% and daily balances over $100,000 earn an interest rate of 0.49886% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. When your Thrive Cash Back Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Thrive Savings account earns an interest rate of 0.04999% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Thrive Savings account on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Thrive Cash Back Checking account will be credited to your Thrive Savings account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of July 17, 2024.

APY calculations are based on an assumed balance of $100,000 + $100,000 in your Thrive Savings account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the Thrive Cash Back Checking account. $50.00 minimum deposit is required to open the Thrive Savings account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account(s) per primary Social Security Number. There are no recurring monthly maintenance charges or fees to open, close or convert this account. A Thrive Cash Back Checking account is required to have a Thrive Savings account. A linked Thrive Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our Personal Bankers for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.