ACTIVATE ROUND UP – AVAILABLE AFTER MAY 1st

Starting May 1st, you can activate the Round-Up feature on your new Pathways debit card!

How it works:

For every purchase you make with your Pathways debit card, we’ll round up the amount to the nearest dollar and deposit the difference into your Owner Rewards Savings Account.

Important:

1. This feature is not available until after May 1st.
2. You must activate your new Pathways debit card first before requesting to enroll.
3. To activate Round-Up, contact us on or after May 1st.

Thank you for your patience—we’re excited for you to enjoy this benefit!

DEBIT CARD ROUND UP:

1. When you opt into debit card round-ups, Pathways Financial Credit Union ("Credit Union") will round-up the amount of any debit card purchases associated with your checking account to the next whole dollar amount, and transfer the amount in excess of the purchase amount from your checking account to your Owner Rewards Savings Account.
2. The Credit Union will aggregate the rounded-up amounts from purchases that post to your checking account each business day and make a single transfer ("daily round-up transfer") at the end of the business day. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the daily round-up transfer for that day.
3. Please note that rounding up a debit card transaction may cause overdrafts to your checking account on subsequent transactions.
4. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily round-up transfer will remain in the Secondary Savings Account. Credit transactions or adjustment transactions will not be rounded-up.
5. The Credit Union reserves the right to cancel or modify the Debit Card Round-Up Feature at any time.

TRANSACTION LIMITATIONS – OWNER REWARDS SAVINGS ACCOUNT:

1. Deposits other than the daily round-up transfer and quarterly dividend are not permitted on the Owner Rewards Savings Account.
2. Transfer deposits from other accounts and share types are not permitted on this account.
3. ATM and/or Debit Card transactions are not permitted on this account.
4. ACH deposits and withdrawals are not permitted on this account.

OTHER TERMS AND CONDITIONS:

1. Changes in the terms and conditions of this account may be made at the discretion of the Credit Union. The Credit Union will give you advance notice of changes if required to do so under applicable law, including requiring periodic sweeps of the balance of your Owner Rewards Savings Account.
2. By opening a membership account and signing the Membership Application and Agreement, you acknowledge that you have received and agree to the additional terms and conditions as stated in the Membership and Account Agreement, Account Disclosures, Fee Schedule, and the Account Disclosure Rate Supplement which are incorporated by reference into this Disclosure.