Max Rewards Accounts

*APY = Annual Percentage Yield.

Account transactions and activities may take one (1) or more business 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 dates.

Rewards Information Max Cash: Earn 5.50% APY on balances up to $25,000; 0.49% on balances over $25,000. Max Cash Back: Earn 5.00% cash back on debit card purchases up to $200 per cycle; maximum cash back is $10 per cycle. Max Saver: Earn 3.25% APY on balances up to $100,000; .20% on balances over $100,000. ATM Fee Refunds (Max Cash / Max Cash Back only): ATM withdrawal fees are reimbursed up to $25 per cycle. If fee data is unavailable, reimbursement is based on estimates. Adjustments will be made if a receipt is provided within 60 days of the subject transaction(s). ATM fee refunds do not apply to Max Saver accounts. Interest earned and Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

When Qualifications Are Not Met Max Cash: earns 0.05% APY on the entire balance; Max Cash/Max Cash Back: No ATM fee reimbursements are provided; Max Cash Back: no cash back on debit card purchases; Max Saver earns 0.05% APY on the entire balance.

Account Requirements to Earn Rewards Max Cash: $100 minimum opening deposit, $5,000 average daily balance, at least 4 debit card transactions and one (1) ACH direct deposit transaction per monthly qualification cycle; Max Cash Back: $25 minimum opening deposit, no minimum account balance, at least 12 debit card transactions and one (1) ACH direct deposit transaction per monthly qualification cycle. Max Saver: $100 minimum opening deposit, no minimum account balance. A Max Saver account is required with Max Cash or Max Cash Back for automatic savings. Enrollment in electronic services (i.e., online banking, e-statements) and log-ons are required to meet qualifications. No monthly maintenance fees apply.

Additional Information Limit of one Max checking account per Social Security Number. Account approval, conditions, limits, and requirements apply. Contact a bank representative for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. There are no recurring maintenance charges nor any fees to open or close these accounts. Rates, rewards and bonuses, if any, are variable and may change after account is open; rates may change without notice to you. If the account is closed, you will forfeit any rewards that have not been credited to your account. Rewards of less than one (1) cent cannot be distributed. Rates are accurate as of 02/16/2026 and may change at any time, including after account opening. These accounts are not to be used for commercial purposes.