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EARN 2% CASH BACK*

ON ALL PURCHASES—ALL DAY, EVERY DAY!

It’s the credit card that puts money back into your checking account. With a Verve Optimum World Mastercard^®, you’ll earn $100 for every $5,000 you spend—with no limits to how much you can earn monthly or annually.

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Rates

Earn Big, Save Big

4.60 % APY APR ^* 13-month Share/IRA Certificate Rates GO

5.62 % APY APR ^* 3 years Adjustable Rate Mortgage (ARM) GO

9.38 % APY APR ^* ≤ 24 months Unsecured Signature Loans GO

3.24 % APY APR ^* $200,000.00+ Optimum Money Market Qualified Rates GO

SAVE MONEY + STRESS LESS

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Essential Bundle

FREE Checking

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Build a strong foundation

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Essential+ Bundle

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Plan for life’s next big steps

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Premier Bundle

Bank Anytime

Navigate transitions + rebuild

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Optimum Bundle

Fast. Simple. Secure.

Optimize + build wealth

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The Legal Stuff

*Disclosure Information

Only one bonus offer available per person. Bonus only available to new members who have not had a Verve Checking or Membership Share account within the past 18 months. You must be eligible and qualify for membership at Verve, a Credit Union. You must purchase and maintain one required share at par value of $5.00 in a savings account.

To earn up to $600, meet the following requirements:

$200 Opening Bonus: Open a checking account and complete qualifying ACH direct deposits into checking totaling at least $1,000 within two full calendar months of account opening. Payment will be made within 30 days following the end of the qualification period.

$200 Three Month Balance Bonus: Maintain an average monthly balance of at least $10,000 in qualifying deposit accounts (checking, savings, money markets, certificates, IRAs, and HSAs) for the first three full calendar months. Balances will be reviewed monthly. Payment will then be made within 30 days following the end of the qualification period.

$200 Twelve Month Balance Bonus: Maintain an average monthly balance of at least $10,000 in qualifying deposit accounts (checking, savings, money markets, certificates, IRAs, and HSAs) through 12 full calendar months. Payment will then be made within 30 days following the end of the qualification period.

Verve checking account must be open and in good standing at time of payment. Bonus payment is considered interest and reported on IRS form 1099-INT. Offer valid for accounts opened from July 1, 2026, to December 31, 2026. Please consult a Verve team member for full disclosure of membership accounts and bonus offer. Verve reserves the right to modify or discontinue this offer at any time.

*APY=Annual Percentage Yield. Rates may change after account is opened. Membership eligibility required. Insured by NCUA. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Verve Optimum Checking: Qualifications for higher APY and ATM fee refund up to $15 maximum credit (up to $5 per ATM transaction) are 1) ACH direct deposits totaling at least $1,000.00 into checking, 2) a valid email address, and 3) enrollment and receive e-statements. If qualifications are met each monthly qualification cycle: Daily balances up to $10,000.00 will earn 2.50% APY and daily balances of $10,000.01 and greater will earn an APY range of 2.50% to 0.48%. If qualifications are not met, all balances will earn 0.25% APY and ATM fee refund does not apply. Dividends compounded and paid monthly. Minimum balance to avoid a $15.00 monthly service fee is $10,000.00 combined deposit account average daily balance or a current Verve Credit Card holder.

Verve Premier Checking: Qualifications for higher APY and ATM fee refund up to $10 maximum credit (up to $5 per ATM transaction) are 1) ACH direct deposits totaling at least $500.00 into checking, 2) a valid email address, and 3) enrollment and receive e-statements. If qualifications are met each monthly qualification cycle: Daily balances will earn 0.25% APY. If qualifications are not met, all balances will earn 0.10% APY and ATM fee refund does not apply. Dividends are compounded and paid monthly. Minimum balance to avoid a $5.00 monthly service fee is $2,000.00 combined deposit account average daily balance or a current Verve Credit Card holder.

Verve Essential Checking: Non-dividend bearing checking account. No minimum balance, no monthly service fees, no check writing privileges, no Overdraft/NSF fees.

2% Cash Back on all purchases, all day every day – As provided in the ScoreCard® CashBack Program Rules, Verve Optimum World Mastercard® credit card holders will earn 2% CashBack Credits in the Program for every $1 dollar spent in qualifying purchases. Consult a Verve team member for an application and rules, or visit scorecardrewards.com. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.