CASH REWARDS CHECKING
Cash Rewards Checking isn't like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 6.01% APY* and Free ATMs nationwide, along with some great benefits.

• Free Checking
• Free Debit Card**
• Free Online Banking
• Free Bill Pay
• No Minimum Balance Requirement
• No Monthly Fees
• ATM Fees are automatically refunded

Always earn interest, regardless of your balance!

• 6.01% APY* on balances of $.01 to $20,000
• 1.51% APY* on balances over $20,000
• 0.25% APY* on balances even when you don't meet the 3 easy steps!

Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***

A. Use your FREE Debit Card**
Make purchases without writing checks using our FREE VISA¨ Debit Card. Simply have 12 or more signature-based purchases posted within the monthly qualification cycle.

B. Make an automatic payment or direct deposit
Have one or more automatic payment (like a utility bill) or direct deposits each month.

C. Go electronic and eliminate paper statements with FREE eStatements
Each month we'll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification.

We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.

Ready to start earning? Stop in today and open your Cash Rewards Checking account!

More Information

• Signature vs. Pin transactions - the difference is important to understand
• Frequently Asked Questions
• VISA® Debit Card - it's the easy way to pay more
• eStatement Enrollment

^*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 6.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.51% APY is paid. If requirements are met during the statement cycle, **ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 12 signature-based debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, and one direct deposit or ACH debit per statement cycle. APY accurate as of 3/4/08. Rates and terms subject to change without notice. *** Replacement/Lost Card Fees May Apply. Member FDIC

FREE CHECKING PACKAGE
Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge, you get unlimited check writing, free Online Banking, free Bill Pay and a free VISA® Debit Card.¹ Only $25 required to open your account. Overdraft Privilege up to $300 is also available on this account.²
[SUBMIT APPLICATION]

Checking Plus      
This no-minimum-balance account earns interest, provides access to free and discounted banking services, and gives you discounts on many non-banking services that enhance the way you live. The low monthly fee of $6.00 entitles you to these special values:

• Free printed checks
• Free cashiers checks, travelers checks, and money orders
• Free check images included in your statement
• Discount on mortgage closing costs
• Discount on a safe deposit box
• Accidental Death and Dismemberment Insurance⁴
• Identity Theft Insurance⁴
• Payment Card Protection
• ID Network Safety Program
• RX AdvantageTM Prescription Drug Program
• Coast To Coast Vision Plan³
• Purchase Protection and Extended Warranty
• Savers Club® Book (includes discounts on hotels, car rentals, movie tickets, local dining and attractions, shopping and much more)

You also get free Online Banking and Bill Pay, and a free VISA® Debit Card¹. Overdraft Privilege is also available up to $500².

Interest Checking
If you prefer to earn interest on your basic checking account, Interest Checking is for you. Maintain a $500 minimum daily balance or $1,000 average monthly balance in checking. If your total balance drops below the minimum, you pay only $8 per month. You get free Online Banking and Bill Pay and a free VISA® Debit Card¹. Overdraft Privilege² up to $500 is also available on this account.
[SUBMIT APPLICATION]

GOLD CHECKING PACKAGE
Maximize your relationship with WCB and weÕll maximize your checking account benefits! Our Gold Checking Package is an interest-bearing checking account for our customers who maintain $5,000 in combined deposit balances. If your total balances drop below $5,000, you pay a monthly fee of $10.00. You get free cashier's and traveler's checks, free Online Banking and Bill Pay and a free VISA® Debit Card¹. Overdraft Privilege² up to $500 is also available on this account.
[SUBMIT APPLICATION]

WCB Overdraft Privilege
Overdraft Privilege will cover you-If occasionally you find that you are a little short on funds or if you have made an error on your account balance and overspend by mistake. Ask us for details about this unique financial resource.

¹Some states permit local financial institutions the option of surcharging for ATM transactions. Wisconsin Community Bank cannot control surcharges charged to your account by other financial institutions. Lost/Replacement card fees may apply.

²**$27.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdrive Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically don't pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

³This is not insurance.

⁴These products offered through certain insurance underwriting companies not affiliated with Wisconsin Community Bank, are not FDIC insured or insured by any entity of the Federal government, are not obligations of or guaranteed by Wisconsin Community Bank, may involve investment risk, including the loss of principal.