*APY = Annual Percentage Yield. Offer effective through June 30, 2026. Smart Start Savings Account APY is earned on the portion of your balance in each rate tier. 4.00% APY only up to the first $2,000. First $5,000 must be funds new on deposit to First U.S. Limit one Smart Start Savings Account per member. Check access not available.

¹Official rules for $50 deposit match.

A Smart Start Savings account must be opened by June 30, 2026. Eligible participants have until June 30, 2026, 11:59 PM to make the qualifying deposit.

Offer Terms: In order to qualify for the deposit match, an Eligible Participant must open a new Smart Start Savings account and complete at least one qualifying deposit of $50 or more into that account by June 30, 2026. Deposits processed as a debit card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers do not qualify. Limit one Smart Start Savings account per member. After members meet the qualification criteria stated above, First U.S. will make a deposit of $50 into the Smart Start Savings account after deposit verification. Please allow up to four weeks for the deposit match. The account must remain open and in good standing until the deposit match is credited. First U.S. employees do not qualify.

Tax Information: Deposit matches are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). You are responsible for any federal, state, or local taxes due on the bonus. Please consult your own tax professional and attorney for tax advice.

Other Terms: First U.S. reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. First U.S. also reserves the right to stop or make changes to the Program at any time before the end of the Promotion Period without notice.

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