¹Initial account opening bonus will be deposited during account opening and is provided once during the Dream Builder account lifetime. The initial account opening bonus is subject to tax reporting requirements. You will receive a $25 bonus within 30 days after the opening deposit has been made.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 3/1/2023 and calculated on an account balance of $1,000. Account balance must be $0.01 or greater to earn interest. Tier 1 – If your daily balance is $500 or less, the interest rate paid on the entire balance in your account will be 5.00% with an APY of 5.12%. Tier 2 – if your daily balance is greater than $500, the interest rate paid on the balance greater than $500 in your account will be 0.01% resulting in APYs ranging from 2.56%-5.12% (assuming a maximum account balance of $1,000).

³Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year. Account balance must be $0.01 or greater to receive the birthday reward.

⁴Only parents/guardians can register for Online and Mobile Banking in the Building Blocks benefit category. Message and data rates may apply.

⁵Parents/guardians cannot register for Bill Payment until the minor is of the age of 16.

⁶Debit Card POS is limited to $250/day in the Building Blocks Benefit Category and is limited to$3,000/day for account holders age 18+ and $500/day for account holders ages 16 and 17 in the Building Steam and Building Opportunity benefit categories.

⁷Mobile Deposit Limits change based on the benefit category:

• Building Know-how: our current daily deposit limit is $5,000 per day and no single check exceeding $250 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000 over a five-day period;
• Building Steam: our current daily deposit limit is $5,000 per day and no single check exceeding $1,000 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000 over a five-day period;
• Building Opportunity: our current daily deposit limit is $5,000 per day and no single check exceeding $2,500 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000 over a five-day period.