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* There is a $9/month fee for the Friends account which is automatically waived the first month the account is opened, and the next full month. This fee will be waived each month there are 15 posted mphCard purchases by the last business day of the month. Once you meet the criteria to waive the fee, you also earn 0.55% Annual Percentage Yield (APY) on your checking (SPEND) account on the first $5,000 in balances. 0.55%APY is over 15x the average national FDIC rate as of 4.18.22. Amounts above $5,000, and accounts that do not meet the criteria to waive their monthly fee, earn the default rate of 0.00% APY. Fees could reduce earnings. Rates are effective 7.27.21 and are subject to change without notice. The Friends account also has Monthly Referral Rewards. You will get paid one dollar ($1.00) each month, for each verified account you refer, and their connections (up to 6,) if you, and they, have at least 15 mphCard purchases post to the respective account(s) by the last business day of the month. Each member is limited to earning $8,500 in referral rewards per month, regardless of the number of people you have referred, or they have referred. The referral code you create is what links the new account to you. If the new member does not type in your code correctly, you will not get credit. See Truth in Savings Disclosure for full terms and conditions. Customer information is private so we will not be able to share with you the names of those who have opened an account using your code. All deposit products are provided by, and mph.bank is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.

**Access to funds for getting paid early can be up to two days prior to the date of scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.