Ruby Rewards Comparison

Ruby Rewards Checking and Ruby Rewards Cash Back Checking 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.

Ruby Rewards Cash Back Checking: you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Ruby Rewards Checking or Ruby Rewards Cash Back 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. Depending on your reward checking account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Ruby Rewards Checking: the entire daily balance in the Ruby Rewards Checking account earns 0.05% APY. Interest will be credited to your Ruby Rewards Checking account on the last day of the current statement cycle. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Ruby Rewards Cash Back 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 a Ruby Rewards Checking or Ruby Rewards Cash Back Checking 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.

Ruby Rewards Savings for Ruby Rewards Checking and Ruby Rewards Cash Back Checking

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account 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:

When your linked Ruby Rewards Checking or Ruby Rewards Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to  $100,000.00 in your Ruby Rewards Savings account earn an APY of 4.00% and daily balances  $100,000.00 or more earn an interest rate of 0.25% on the portion of the daily balance $100,000.00 or more, resulting in a range from 4.00% to 0.25% APY depending on the account's daily balance. When your Ruby Rewards Checking or Ruby Rewards Cash Back Checking account qualifications are not met, the entire daily balance in the Ruby Rewards Savings account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your Ruby Rewards Savings account on the last day of the current statement cycle. The interest, cash back payments, and nationwide ATM withdrawal fee reimbursements earned in your Ruby Rewards Checking or Ruby Rewards Cash Back Checking account will be credited to your Ruby Rewards Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of June 8, 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 Ruby Rewards Checking or Ruby Rewards Cash Back Checking account. No minimum deposit is required to open the Ruby Rewards Savings account.Enrollment in electronic services (e.g. online banking) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Ruby Rewards Checking or Ruby Rewards Cash Back Checking account is required to have a Ruby Rewards Savings account. A linked Ruby Rewards Savings account is required for automatic savings rewards deposits. 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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