Ruby Rewards Checking Rate

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit www.stonebank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

Depending on what reward checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Ruby Rewards Checking: daily balances up to $25,000.00 earn an interest rate of 5.37% resulting in an APY of 5.50%; and daily balances  $25,000.00 or more earn an interest rate of 0.25% on the portion of the daily balance $25,000.00 or more, resulting in a range from 5.50% to 0.25% APY depending on the account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Ruby Rewards Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Ruby Rewards Checking or Ruby Rewards Cash Back Checking transactions via ATM.  When your Rewards Checking account qualifications are not met the entire daily balance in the Ruby Rewards Checking account earns 0.05% APY. Interest and nationwide ATM withdrawal fee reimbursements will be credited to your Ruby Rewards Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/08/2026. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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