More Ways to Bank.

1	Open a new FT Checking account by 5/31/13. Application must be submitted by 11:59 PM ET on 5/31/13 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to ten (10) months for every month a Direct Deposit of $100.00 or more is credited to the FT Checking account. Set up and have at least one (1) recurring direct deposit of $100.00 or more credited to your FT Checking account by 6/30/2013 to qualify for the bonus earnings. Direct Deposit amount must be greater than $100.00. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2013 - December 2013, January 2014 - March 2014. Bonus payouts will end April 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to nine (9) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for up to $100.00 in cash bonuses. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-MISC. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for new FT Checking accounts opened between 4/1/2013 and 5/31/2013 only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that qualified for a $100.00 promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time.
2	ATM surcharge rebates apply to cash withdrawals using the First Trade Master Money Debit Card wherever it is accepted. First Trade makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. ATM fees will be rebated at the end of each statement cycle. First Trade reserves the right to modify or discontinue the ATM surcharge rebate at any time.
3	Minimum amount to open is $100.00; no minimum balance requirement after account opening. Overdraft fees still apply to the Virtual Checking account. You must enroll in Online Banking, receive eStatements and receive a Debit Card in order to qualify for this account. Your account will revert to a Free Checking account if you do not elect to receive these free services within two (2) months after the account is opened or if you opt out of these services any time after the account has been opened.
4	Annual Percentage Yield (APY) is accurate as of . Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$999.99 and 0.05% APY applies to the entire balance of balances $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings.
5	Standard data and message rates apply. FT Mobile is available to all personal Online Banking users. FT Deposit is available to all personal banking clients with an active checking or savings account; Online Banking is not required. Service is subject to approval and account fees still apply.
6	Annual Percentage Yield (APY) is accurate as of . Rate tiers are as follows: 0.05% APY applies to balances of $0.01—$2,499.99 and 0.70% APY applies to the entire balance of balances $2,500.00 and up. Rates may change after account is opened. Fees may reduce earnings.
7	Minimum amount to open is $10.00; no minimum balance requirement after account opening.
8	This service establishes a link between your personal checking account and up to three personal deposit accounts. In the event that your checking account does not have sufficient funds to pay an item that has been presented to us for payment, First Trade will execute a transfer of funds automatically from the available balance in the linked account to bring your checking account balance to $0.00. Regardless of the number of items paid, First Trade will only conduct one (1) daily transfer to cover the overdrawn amount free of charge. This service is subject to Regulation D. You are permitted six (6) pre-authorized transactions per statement cycle with Savings and Money Market Accounts. Each transfer counts as a pre-authorization transaction.

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