It is better than FREE! You can have a free checking account that offers a high interest rate up 3.01% APY* with no minimum balance and these great benefits:

Earn up to 3.01% APY*

• FREE  Personal Checking
• FREE On-line Banking
• FREE Visa^® Debit Card
• No Minimum Balance ($100 minimum to open account)
• ATM Fee Refunds Nationwide (when qualifications are met)
• FREE ATM access at Instant Cash^® ATMs nationwide, including most Wells Fargo^® branch ATMs (other than California)
• Available for Personal Accounts Only

Always Earn Interest!

• 3.01% APY* on balances of $0.01 - $25,000 (when qualifications are met)
• 1.01% APY* on balances over $25,000 (when qualifications are met)
• 0.10% APY* on balances even when you don’t meet qualifications

How do you qualify for the highest interest rate and ATM Fee Refunds Nationwide?

There are 3 easy qualifiers and all 3 must be met each statement cycle:

1. Enroll and receive electronic statements
2. Set up 1 direct deposit or automatic payment from your account
3. Make 10 or more debit card transactions with your Free Visa^® Debit Card (not ATM)

Ready to start earning?

Just print and fill out a new account application and stop in to one of our branches. If you’re short on time, you can fax a copy of the completed form to us with a copy of a valid photo ID (driver’s license, passport, military, state issued) and we’ll begin the process without you. You’ll still need to stop in to one of our branches to finalize the documents and show us your valid photo ID but your time investment will be greatly reduced. A minimum opening deposit of $100 is required.

*Annual Percentage Yield accurate as of July 10, 2010. Rates are subject to change without notice.