You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice, or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced benefits. Calculations are completed at the end of the calendar month, if qualifications are met benefits will start within 45 calendar days. (1419)

We may credit regularly occurring direct deposits up to two days early with Early Pay. This is available at Bank discretion for consumer checking accounts. We do not guarantee early availability of direct deposits. Eligible direct deposits to your account are based on when a payor notifies us they are sending you a credit. This may include direct deposit with your employer, government entity, or other organization that makes regular recurring payments to you. Ineligible deposits or credits to your account include person to person services, check or mobile deposits, or other online transfers. See the Deposit Account Agreement, Section 11.5, for full terms and conditions of Early Pay. (1464)

To use Credit Monitor, eligible customers with an Associated Balanced Checking or Associated Choice Checking account must log in to digital banking, activate the feature, and accept the terms and conditions. Information provided through Credit Monitor is obtained by Experian. For more information, visit the Credit Monitor information page. (1485)

Overdraft grace zone – An Overdraft Fee will not be charged if account is overdrawn $50 or less for most personal checking accounts. For eligible Associated Choice Checking customers, no overdraft fee will not be charged if account is overdrawn $100 or less for Platinum Choice, or $250 or less for Emerald Choice, and no overdraft fees will be charged for Emerald Private Choice. If an overdraft is paid by Associated Bank, a deposit must be made to bring the account back to a positive balance. Regular account requirements and fees for overdrafts will otherwise apply. Overdraft Protection Transfer service links your checking account with your other accounts at Associated Bank, including another checking account, savings account, money market account, Consumer Credit Card, Checking Reserve Line of Credit or Premier Line of Credit. There is no fee for this service, for more details on transaction limits and terms and conditions of these products, please refer to the Consumer Deposit Account Fee Schedule, applicable Checking Product Disclosure, What You Need to Know About Overdrafts and Overdraft Fees, Understanding Overdrafts and Your Options to Manage Fees or the Deposit Account Agreement. (1068)

Associated Choice Checking customers receive two out-of-network ATM owner surcharge fee refunds per statement cycle, up to $20. Platinum Choice, Emerald Choice and Emerald Private Choice have unlimited refunds per statement cycle of ATM owner surcharge fees. (1299)

You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced rates on Associated Choice Checking, Associated Relationship Savings, and Select Money Market accounts. For current rates, refer to an Associated Bank Deposit Account Rates Sheet or ask a banker for more information. (1415)

Customers eligible for Credit Monitor+ have access to Identity Protect & Restore services. Eligible customers must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice or Emerald Private Choice, or listed on the Associated Choice Checking Product Disclosure, or have a Colleague Checking accounts or a Private Banking account. Review applicable product disclosure for more details. For details about identity monitoring, restoration, and insurance visit the Credit Monitor section of the Digital Banking Service Terms and Conditions. (1489)

You must meet and maintain the benefit tier qualifications for Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure. To use Privacy Defender, eligible customers must log in to digital banking, activate the feature, and accept the terms and conditions. For more information, visit [here]. (1527)

Emerald Choice will receive the first qualified year reimbursed. Emerald Private Choice will receive every year reimbursed. You must meet and maintain the benefit tier qualifications for Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, in the month that your Reserve Rewards+ credit card annual membership fee is assessed for the annual membership fee to be reimbursed. Your credit card annual membership fee will be charged and reimbursed within the same statement month. (1528)

For a list of eligible accounts, see the Associated Choice Checking Product Disclosure. (1525)

You must meet and maintain the benefit tier qualifications for Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to receive fee free benefits. Benefits extend to your Associated Relationship Savings accounts and Select Money Market accounts currently open under the same consumer customer profile. Select fees may appear on your account statement and will be refunded within 3-5 business days. (1526)

Interest on checking account is paid on the daily collected balance. (1298)

Ask your banker to link your accounts. Closing your checking account means applicable minimum balance requirements and maintenance fees will apply on the linked accounts. (1272)

Associated Bank and MoneyPass® ATM use is free for Associated Bank customers. ATM owners outside of the Associated and MoneyPass networks may charge a fee. Associated Bank may charge a fee for using an out-of-network ATM. International fees may apply. Review your account disclosure and fee schedule for more details. MoneyPass is a registered trademark of Fiserv Solutions, LLC or its affiliates. (1206)

For Platinum Choice, Emerald Choice or Emerald Private Choice customers, when you meet and maintain the benefit tier qualifications, listed on the Associated Choice Checking Product Disclosure, you will receive an annual financial wellness review. Appointments are required to experience this benefit, and all customers may schedule a financial wellness review. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation. (1429)

Associated Bank offers a variety of mortgage products. Your Mortgage Relationship Discount (“Mortgage Discount”) may vary depending on the product for which you apply. Eligible Portfolio Loan Products include, but are not limited to: Adjustable Rate Mortgages (ARMs), certain Jumbo Fixed Loans, and Community Affordable Real Estate (CARE) Loans. For ARMs, the rate discount will apply to the initial rate period. To be eligible for the Mortgage Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to loan closing. This Relationship Balance will not include any funds needed for down payment on the mortgage transaction. Mortgage Discounts vary based on (1) the type of mortgage product the customer has applied for, and (2) the customer’s Relationship Balance held in any eligible account(s).

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

Interest rates, fees, eligible products, and mortgage discounts are subject to change without notice. Program eligibility is subject to loan type, Eligible Checking Account validation, and Relationship Balance validation. Speak to a loan officer for mortgage product details, including rates, applicable fees, terms and payment options. (1433)

The “HELOC Discount” is a reduction in the margin applied to your Home Equity Line of Credit's variable rate. To be eligible for the HELOC Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to HELOC closing. Your specific HELOC Discount will depend on the total amount of your Relationship Balance. Speak to a loan officer for HELOC Discount details.

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing. Automatic payments are drawn based on the borrower’s payment preferences when the HELOC holds an outstanding balance.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

The HELOC Discount eligibility is subject to account and balance validation when Associated Bank prepares your "Home Equity Line of Credit Agreement and Disclosure" for your signature. The HELOC Discount only applies to new HELOC customers, defined as customers without an existing Associated Bank HELOC on the subject property. HELOC rates are variable based on Prime plus or minus a margin and can change monthly. Speak to a loan officer for HELOC product details, including HELOC rates, margin calculation, applicable fees, terms and payment options. (1432)

Enhanced rates, ATM surcharge fee refunds, and increased Overdraft Grace Zone require the parent or adult guardian to meet and maintain enhanced benefit tier qualifications specific to the parent or adult guardian account. For more details, see your account specific product disclosure.

Minor co-owners under the age of 18 are not eligible to access Bill Pay, Credit Monitor, Zelle, Quickbooks and Secured Messages. Refer to the Digital Banking Service Terms and Conditions for more information. Minor co-owners retain the ability to lock and unlock their own debit card within digital banking. (1500)

Associated Bank does not charge a fee to download our digital applications; however, transactional fees may apply. Carrier message and data rates may apply, check your carrier’s plan for details. Visit AssociatedBank.com/disclosures for Terms and Conditions for your service. (1406)

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. You must be at least 18 years old to use Zelle®. Visit AssociatedBank.com/disclosures for Terms and Conditions for your service. (1302)