Carolina Trust Federal Credit Union

Offer Eligibility: This promotional offer (“Offer”) is available exclusively to individuals who open a new Rewards+ consumer checking account (“Eligible Account”) with Carolina Trust Federal Credit Union (“Carolina Trust”) between August 1, 2025, and December 31, 2026 (“Offer Period”). You are not eligible if you currently have a Rewards+ checking account with Carolina Trust. Qualifying Activity Requirements: Within ninety (90) calendar days of the account opening date (the “Qualification Period”), you must meet the minimum qualification requirements, for each calendar month during the Qualification Period: (1) be enrolled in e-statements; (2) log into digital banking once per qualification cycle And in addition, meet two of the following qualifying activity requirements: i: Direct Deposits: Receive at least $1,000 in qualifying direct deposits each month. Qualifying direct deposits include recurring electronic deposits of: (1) Payroll; (2) Pension Payments; and/or (3) Government benefits (e.g., Social Security, disability). The following do not qualify as direct deposits: (1) Person-to-person payments; (2) Internal transfers from other Carolina Trust accounts; and (3) Automatic Clearing House (ACH) transfers from financial institutions not associated with payroll, pensions, or government benefits. Debit Card Activity: Complete at least twelve (12) debit card purchase transactions per month. To qualify, transactions: Must post to your account by the last calendar day of each month Cannot include ATM withdrawals, deposits, or balance inquiries Cannot include Account Funding Transactions (AFT), such as funding a digital wallet or another financial account Cannot include Original Credit Transactions (OCT), where funds are received to your debit card Loan or Mortgage Requirement: Maintain either: (1) An active, non-revolving personal loan with a principal balance of $10,000 or more with Carolina Trust, or (2) An active mortgage loan, both originated and serviced by Carolina Trust. Good Standing: The Eligible Account must remain open, active, and in good standing throughout the Qualification Period and until the bonus is paid. Bonus Payment: If all Offer requirements are met, the $300 bonus will be credited to your Eligible Account within thirty (30) calendar days following the end of the Qualification Period. Only one bonus will be paid per individual, per account, or per Social Security Number (SSN), regardless of the number of accounts opened.