Merchants who accept Mastercard credit cards have an assigned merchant code that is determined by the merchant or its processor based on the kinds of products and services they primarily sell. GreenState makes every effort to identify relevant merchant codes that fit into one of the bonus points categories of purchases. A purchase will not earn extra bonus points if the merchant’s code is not eligible. In some cases, even though a merchant may sell items that fit within a bonus category, if the merchant does not have a merchant code in that bonus category the purchase will not earn extra points. Purchases made through third-party payment accounts, mobile card readers, mobile wallets or other similar technologies may not qualify for bonus points if the technology is not set up to process the purchase with a merchant code that has been identified as falling within a bonus points category. The accepted MCC codes by category are: Gas: 5169, 5172, 5541, 5542; Grocery: 5411, 5422, 5441, 5451, 5462, 5499; Airlines: 3000–3299, 4511; and Hotels: 3501–3834

GrowGreen Checking: APY is Annual Percentage Yield. Rate is subject to change after the account is opened. 0.05% APY paid on funds  exceeding those amounts if qualifiers are met. If qualifiers are not met, 0.01% APY will be paid on all balances. Fees may reduce earnings on the account. Requirements to earn the premium yield each month include 1) Fifteen or more purchases with your GreenState credit or debit card with a minimum of $15 per transaction. If a member makes 15 qualifying purchases with their credit card, they will earn the credit card yield. 2) An ACH / Direct Deposit or ACH withdrawal of at least $500 must post and clear the account (internal transfers excluded). 3) $1,000 average daily balance maintained. If average daily balance of $1,000 or more is met, interest will be paid on the entire average balance. Overdraft/returned item fees may apply. $50 initial deposit required. Offer is for one checking account per individual. Credit card and debit card must be listed under the same account as the GrowGreen Checking to qualify. Personal accounts only. Membership required with a minimum $5 share deposit. New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old. A combination of qualifying debit and credit card purchases may be used to earn the debit card yield.

For Debit Cards or Debit/Credit Combinations:

• 3.00% APY paid on balances up to $19,999
• Account holder must be 16 years of age to be paid interest using a debit card and 18 years of age to be paid interest using a credit card or combination of credit card and debit card
• Transactions must post and clear within the calendar month

For Credit Cards:

• 4.00% APY paid on balances up to $19,999
• Account holder must be 18 years of age or older to be paid interest
• Transactions must post to the card between the first day of the month and the second-to-last day of the month.
• Transactions posted on the last day of the month will be applied to the next month’s totals
• Any points earned on the credit card will still accrue even if these requirements are not met