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	Checking Type of Accounts Dividend Rate APY Minimum to open Minimum to obtain stated APY Northeast Checking 0.00% 0.00% $0.00 $0.00 Relationship Checking* $0.00 - $4,999.99 $5,000+ 0.25% 0.50% 0.25% 0.51% $0.00 $0.00 $0.00 $5,000 Student Checking Plus 0.25% 0.25% $0.00 $0.00 Low Usage Checking 0.00% 0.00% $0.00 $0.00 eChecking** $0.00-$25,000.00 $25,000.01 2.16% 0.50% 2.18% 0.50% $0.00 $0.00 $0.00 $25,000.01 Member Business Checking 0.25% 0.25% $0 $5000   APY equals Annual Percentage Yield Effective date 11/01/08 Checking accounts are variable rate accounts and the rate may change after account opened. See our Fee Schedule for details on fees and charges associated with Checking Accounts. Fees could reduce the earnings on the account.

*You must maintain aggregate loan, investment¹ and/or deposit balance of $5,000 excluding checking funds or have an active Northeast Platinum or Classic Visa Credit Card.  "Active" defined as having a transaction (purchase, cash advance or payment) in the last 90 days.  Fees could reduce the earnings on the account.

**Northeast eChecking requirements: Direct deposit of net salary, wages, government benefits or pension, and be an active user of both eStatments and CyberPay.  "Active" defined as having used CyberPay in the last 3 months and making a minimum of 10 purchases per month using your NECU debit card.