Keystone Rewards Savings

Click here to see the 2025 Qualification Cycle Schedule.

Qualification Information: Please refer to the appropriate Keystone Rewards Checking or Keystone Cash Back Truth in Savings Disclosure for specific account qualification information.

Additional Terms.

Keystone Rewards Checking When Linked to Keystone Rewards Savings: When your Keystone Rewards Checking account's qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Keystone Rewards Checking account earn an interest rate of 5.366% resulting in a non-compounding APY* of 5.50%; and daily balances over $50,000.00 earn an interest rate of 0.50% on the portion of the daily balance over $50,000.00, resulting in a non-compounding range from 5.50% to 2.17% APY depending on the account's daily balance. When your linked Keystone Rewards Checking accounts qualifications are met during the Monthly Qualification Cycle, daily balances up to and including $100,000 in your Keystone Rewards Savings earn a rate of 4.650% resulting in an APY of 4.75% and daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 4.75% APY to 2.63% APY depending on the account's daily balance.

When your linked Keystone Rewards Checking account's qualifications are not met during a Monthly Qualification Cycle: ATM withdrawal fees are not refunded and the entire daily balance in the account earns an interest rate of 0.05% resulting in a non-compounding APY of 0.05%. Interest will be credited to your Keystone Rewards Checking account on the last day of the current statement cycle. When your linked Keystone Rewards Checking qualifications are not met, the entire daily balance in the Keystone Rewards Savings account earns an interest rate of 0.05% resulting in a non-compounding APY of 0.05%.

* Interest in Keystone Rewards Checking does not compound because it is automatically transferred to the Keystone Rewards Savings account within one day. Note: Automatic transfer may cause an overdraft to your Keystone Rewards Checking account, if the account's balance is less than the transferred amount when transfer occurs.

APY = Annual Percentage Yield. APY Calculations are based on an assumed balance of $50,000.00 + $100,000.00 in your Keystone Rewards Checking account and $100,000.00 + $100,000.00 in your Keystone Rewards Savings account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Keystone Cash Back When Linked to Keystone Rewards Savings: The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Keystone Cash Back account will be credited to your Keystone Rewards Savings account on last day of the current statement cycle. When your linked Keystone Cash Back accounts qualifications are met during the Monthly Qualification Cycle, daily balances up to and including $100,000 in your Keystone Rewards Savings earn a rate of 4.650% resulting in an APY of 4.75% and daily balances over $100,000 earn an interest rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 4.75% APY to 2.63% APY depending on the account's daily balance. When your linked Keystone Cash Back qualifications are not met, the entire daily balance in the Keystone Rewards Savings account earns an interest rate of 0.05% resulting in a non-compounding APY of 0.05%.

Interest will be credited to your Keystone Rewards Savings account on the last day of the current statement cycle.

Account approval, conditions, qualification, limits, time frames, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Enrollment in electronic services (e.g. online banking, eStatements) and log-ons may be required to meet some of Keystone Rewards Savings' linked Keystone Rewards Checking or Keystone Cash Back account qualifications. Limit of one (1) account per Social Security Number (SSN). There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. If, for whatever reason the Keystone Rewards Savings portion of your account is closed, your account will automatically be converted to the associated standalone Keystone Rewards Checking or Keystone Cash Back account and that account's terms and conditions articulated within their specific disclosure will apply. 

Linked Accounts: You must have a linked Keystone Rewards Checking or a linked Keystone Cash Back account in order to open a Keystone Rewards Savings account, and the linked Keystone Rewards Checking or a linked Keystone Cash Back account must remain open throughout the period that you hold the Keystone Rewards Savings account. A linked Keystone Rewards Savings account is required for automatic savings.

Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Member FDIC.