1To earn Premium Interest Rate and ATM withdrawal fee refunds, simply do the following each Monthly Qualification Cycle: Have at least 10 check card purchases post and settle, be enrolled in and log into online banking †Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Cell phone products are: NOT A DEPOSIT, NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK ††Insurance products are: NOT A DEPOSIT, NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK