¹ $200 bonus offer is not available to existing Minnesota Bank & Trust consumer checking customers or those who had accounts open on or before May 31, 2018. Bonuses only apply when opening a new consumer checking account at Minnesota Bank & Trust or mnbankandtrust.com during the promotional bonus period. The promotional bonus period is 06/01/2018 – 08/31/2018. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing and a $25 account closing fee may be assessed. Closing the account will negate any unearned bonuses. All bonus dollars will be paid to the newly opened checking account. If multiple checking accounts are opened during the promotional bonus period under the same primary owner name, the bonuses will be paid to the account that was opened first. Limit one bonus per new consumer account relationship. A $30 bonus will be given for enrolling in eStatements within 60 calendar days of account opening and a $170 bonus will be given if one (1) direct deposit of $500 or more post to the account within the first 60 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. Bonuses will be paid within 90 business days after account is opened. An IRS 1099 form may be issued. The offer cannot be used in conjunction or combination with any other deposit offer. Health Savings Accounts are not eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. ² Annual Percentage Yields (APY) are accurate as of . 1.51% APY applies to balances of $0-$20,000 and 0.05% APY to balances $20,000.01 and above if reward requirements are met each monthly statement cycle. 0.05% APY applies to balance of $0-$20,000 and 0.05% APY to balances $20,000.01 and above if reward requirements are not met. The rates and terms may change after the account is opened. Minimum $25 to open. Fees may reduce earnings. ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met. Reward requirements are: Sign up for eStatements, post a direct deposit and post 15 debit card purchases within your monthly statement cycle. ³ Signature Series Checking Annual Percentage Yields (APY) are accurate as of . APY tiers apply to the following balances: 0% APY on balances of $0.00 to $49,999.99. 0.40% APY on balances of $50,000.00 up to $149,999.99. 0.60% APY on balances of $150,000.00 up to $249,999.99. 1.11% APY on balances of $250,000.00 and above. Rates may change after the account is opened. Minimum deposit to open account is $1,000. Account fees could reduce earnings.