Qualification Cycle and Minimum Activity Qualifications ‐ The qualification cycle is calculated using one (1) day prior to the first day of the current month through one (1) day prior to the last day of the current month. For example, the beginning date of the first qualification period of the calendar year is December 31 and the ending date of such qualification period is January 30.

The following transactions must post and settle to the account during the Qualification Cycle:
• Have 10 or more debit card purchases post and clear, each must be a minimum of $5.00; and
• Have at least 1 automatic payment or direct deposit post and clear

2025 Qualification Cycles:
12/31/2024 - 01/30/2025
01/31/2025 - 02/27/2025
02/28/2025 - 03/30/2025
03/31/2025 - 04/29/2025
04/30/2025 - 05/30/2025
05/31/2025 - 06/29/2025
06/30/2025 - 07/30/2025
07/31/2025 - 08/30/2025
08/31/2025 - 09/29/2025
09/30/2025 - 10/30/2025
10/31/2025 - 11/29/2025
11/30/2025 - 12/30/2025
12/31/2025 - 01/30/2026

2024 Qualification Cycles:
12/31/2023 - 1/30/2024
1/31/2024 - 2/28/2024
2/29/2024 - 3/30/2024
3/31/2024 - 4/29/2024
4/30/2024 - 5/30/2024
5/31/2024 - 6/29/2024
6/30/2024 - 7/30/2024
7/31/2024 - 8/30/2024
8/31/2024 - 9/29/2024
9/30/2024 - 10/30/2024
10/31/2024 - 11/29/2024
11/30/2024 - 12/30/2024
12/31/2024 - 1/30/2025