^† DISCLOSURES:

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New account bonus points will be paid to all eligible new Eagles FirstPay^SM and Eagles FirstPay^SM Premier checking accounts opened from 1/1/2024 to 12/31/2024.

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New Eagles FirstPay^SM checking customers can earn 35,000 bonus points. Eagles FirstPay^SM customers will become eligible for the bonus points by making debit card purchases totaling $350 or more within 60 days of new account opening. Official Bonus Point Program Rules - FirstPay^SM Debit Card

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New Eagles FirstPay^SM Premier checking customers can earn 50,000 bonus points. Eagles FirstPay^SM Premier customers will become eligible for the bonus points by making debit card purchases totaling $500 or more within 60 days of new account opening. ^‍Official Bonus Point Program Rules - FirstPay^SM Premier Debit Card

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Limit 1 bonus reward points offer per household. Bonus points may be redeemed for gift cards, merchandise, or travel. Bonus will be provided 60 days after completion of the spend requirement. Points will not be earned for ATM or other cash withdrawals, for transferring funds, Bill Pay transactions, or for transactions using third-party money transmission service providers. Points can be redeemed through scorecardrewards.com. Reward points have no cash value. Other terms and conditions apply, see Program Rules for complete details. Offer can be withdrawn at any time without notice.

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To qualify for a FirstPay^SM checking account, new account must be opened with a minimum $25. The monthly maintenance fee is $10. To avoid the monthly maintenance fee, account is required to have one of the following each month: $500 minimum daily balance, monthly direct deposit, 10 debit card purchases or 5 online bill payments.

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To qualify for a FirstPay^SM Premier checking account new account must be opened with a minimum $25. The monthly maintenance fee is $25. To avoid the monthly maintenance fee, account is required to have one of the following: maintain $5,000 combined balance in deposits accounts or have $50,000 in consumer loan and line of credit balances.

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To qualify for a FirstPay^SM Prosper checking account, new account must be opened with a minimum $25. The monthly maintenance fee is $5. To avoid the monthly maintenance fee, account is required to have an $100 minimum daily balance.

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Fees may reduce earnings. ^‍‍‍

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Access your cash from any ATM: Other financial institutions and/or ATM operators may impose a fee for the use of their ATM.

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Free checks: Eagles FirstPay^SM Premier receive free specialty gray single-ply wallet-style; 50% discount on other personal check styles.

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Annual Percentage Yield: FirstPay^SM Premier Checking receives an Annual Percentage Yield (APY) of 0.05% as of <today> for balances $0 to $24,999.99; 0.05% today for balances of $25,000-$49,999.99; 0.05% as of <today> for balances of $50,000-$99,999.99; for balances of $100,000.00 or more APY of 0.10% as of <today>. APY is subject to change at any time and without notice including after the account is opened. Fees may reduce earnings.

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Eagles FirstPay^SM and Eagles FirstPay^SM Prosper Checking do not earn interest.

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ATM rebates up to $12 per month: ATM rebates are available on the Eagles FirstPay^SM Premier account. Firstrust will refund up to $12 per statement cycle for fees to use other financial institutions' ATMs for checking account transactions.

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Chance to Win Tickets & Memorabilia: No purchase necessary. No customer or account relationship is required. ^‍Eagles Debit Card Sweepstakes Official Rules

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20% Discount at Eagles Pro Shop excludes Nike^® items and sale items.

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Online banking features may be limited or different for every customer based on their account type and/or other factors. Minimum system requirements must be met to access online banking.

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Apple iPhone and App Store are registered trademarks of Apple Inc. Android and Google Play are trademarks of Google LLC. Mobile banking requires you to download the mobile banking app and is only available for select mobile devices and operating systems. Message and data rates may apply.

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‍Retail Account Agreement, Funds Availability, & Electronic Funds Transfer (EFT) Disclosure

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Retail Banking Fee Schedule

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Truth in Savings Disclosure

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Visa® Retail Debit Card and ATM Card Cardholder Agreement and Disclosure Statement

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Overdraft Privilege Disclosure

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* FirstPay^SM Prosper is a Bank On certified account which means it is a transactional account that meets the Cities for Financial Empowerment Fund’s National Account Standards. FirstPay Prosper (“Prosper”) accounts are “digital” or “checkless” accounts which are not eligible for Overdraft Protection or Overdraft Privilege. Firstrust Bank’s Overdraft Privilege and other overdraft practices as described in this disclosure do not apply to FirstPay Prosper Accounts. Items presented against non-sufficient funds in Prosper accounts will be returned unpaid. However, in certain situations you could still end up with an overdraft and a negative balance in your Prosper account. If, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). In the event your account does become overdrawn your Prosper account will not be charged a non-sufficient funds fee. In such an event you will need to make deposits to return your Prosper account to a positive balance within 30 days. If this is not done your Prosper account may be closed.