Checking Accounts Made for Life & Designed for You

¹ Max Cash Checking Disclaimer:

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.hanoverbank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

*Rewards Information: When your Max Cash account qualifications are met during a Monthly Qualification Cycle, (1) daily balances up to and including $25,000 in your Max Cash account earn an interest rate of 5.59% resulting in an APY of 5.75%; and daily balances over $25,000 earn an interest rate of 0.49% on the portion of the daily balance over $25,000, resulting in a range from 5.75% to 1.55% APY depending on the account's daily balance. (2) you will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Interest will be credited to your Max Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 10/01/2023. APY calculations are based on an assumed balance of $125,000 in your Max Cash account, an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the Max Cash account. Refer to our Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges nor any fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

² Max Cash Back Checking Disclaimer:

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.hanoverbank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

*Rewards Information: When Max Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Max Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Max Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Max Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the Max Cash Back account. See accompanying Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges nor any fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC

³Max Saver Savings Disclaimer:

Qualification Information: Account transactions and activities may take one (1) or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.hanoverbank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

*Reward Information: When your linked Max Cash or Max Cash Back qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Max Saver account earn an interest rate of 3.44% resulting in an APY of 3.50%; and daily balances over $100,000 earn an interest rate of 0.19% on the portion of the daily balance over $100,000, resulting in a range from 3.50% to 1.85% APY depending on the account’s daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Max Cash or Max Cash Back transactions via ATM; Max Saver ATM transaction fees are not reimbursed nor refunded.

When your Max Cash or Max Cash Back qualifications are not met, the interest rate earned on the entire daily balance in the Max Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05%.

APY = Annual Percentage Yield. APYs accurate as of 07/03/2024. APY calculations are based on an assumed balance of $200,000 in your Max Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the Max Cash account. $25 minimum deposit is required to open the Max Cash Back account. $100 minimum deposit is required to open the Max Saver account. See our Schedule of fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges nor any fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Max Cash or Max Cash Back account is required to have a Max Saver account. A linked Max Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

⁴Total Checking Disclaimer:

Deposit accounts are subject to our Deposit Account Agreement and Terms and Conditions. All deposit applications are subject to our account opening requirements and approval process. Please ask for a copy of our fee schedule.

All services may not be available on all accounts. Services are subject to separate Service Agreements.

Fees may apply for non-Allpoint, non-Hanover Bank, and international ATM transactions.

There are no paper check privileges with this account, but you can enjoy the flexibility of our contactless Visa® Debit Card and digital banking services.

Monthly e-statements are available to you free via Online Banking. You will pay a $2 fee per month for paper statements 6Interest rate paid on Total Checking Plus accounts is subject to change without notice. Fees could reduce earnings. This is a variable rate product and the rate may be changed after the account is opened. Account Terms and Conditions apply.

⁵Total Checking Plus Disclaimer:

Deposit accounts are subject to our Deposit Account Agreement and Terms and Conditions. All deposit applications are subject to our account opening requirements and approval process. Please ask for a copy of our fee schedule.

All services may not be available on all accounts. Services are subject to separate Service Agreements.

Fees may apply for non-Allpoint, non-Hanover Bank, and international ATM transactions.

There are no paper check privileges with this account, but you can enjoy the flexibility of our contactless Visa® Debit Card and digital banking services.

Monthly e-statements are available to you free via Online Banking. You will pay a $2 fee per month for paper statements 6Interest rate paid on Total Checking Plus accounts is subject to change without notice. Fees could reduce earnings. This is a variable rate product and the rate may be changed after the account is opened. Account Terms and Conditions apply.