Terms and Conditions for Truist One Checking $400 Affiliate Offer 2025: TRUIST25AFL400

Offer Information:  Open a new Truist One Checking account online from 5/1/25 through 10/29/25, receive at least 2 qualifying Direct Deposits* totaling $1,000 or more within 120 days of account opening and earn $400.

Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code TRUIST25AFL400. Please refer to the Account Opening and Enrollment section below for full instructions.

*A qualifying Direct Deposit is an electronic credit (greater than $5.00) of your salary, pension, Social Security or other regular monthly income deposited into your new checking account by your employer or outside agency via ACH. Person to person payments (such as Zelle®) or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 5/1/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying checking account. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer prior to payout, (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 7/31/26 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made.

Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter TRUIST25AFL400 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.

Version 2 03262025 TRUIST25AFL400

2. Negative Balance Buffer Eligibility: The $100 Negative Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.

To INITIALLY QUALIFY for the $100 Negative Balance Buffer, the requirements below must be met:

• Account must be opened for a minimum of 35 calendar days
• Account must be funded with a positive balance
• A single direct deposit of at least $100 per month must be made for two (2) consecutive months

To REMAIN QUALIFIED for the $100 Negative Balance Buffer, the requirement below must be met:

• A recurring direct deposit of at least $100 per month

For accounts that qualify for the $100 Negative Balance Buffer and also have Overdraft Protection, Truist will use the $100 Negative Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Truist Bank, Member FDIC. ©2025, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation.

Terms and Conditions for F25 Summer Campaign:
BMO Smart Advantage Checking or BMO Smart Money Checking $400 Cash Bonus Offer

To take advantage of the new personal checking account cash bonus offer, you must open your account between May 5, 2025 and September 8, 2025, and use the promo code. You may open your account at a BMO branch, online, or by calling 1-800-546-6101.

• To apply online for a checking account, visit bmo.com/460summer, select “OPEN IN MINUTES” for the checking account of your choice and we’ll automatically apply the promo code for you.

• To apply at a branch or by phone for a checking account, visit bmo.com/460summer, enter your information, and select “SEND MY PROMO CODE” to receive the promo code you must use when opening your account.

• If you received a direct mailer regarding this offer, please use the promo code found in the mailer.

Accounts opened online on September 8, 2025 must have their applications submitted and approved prior to 9:00 p.m. CT. If you open your account by calling 1-800-546-6101, we must receive your opening deposit and all signed account opening documents by September 8, 2025.

To receive the personal checking new account cash bonus of $400:

1. Open a new BMO Smart Money Checking or BMO Smart Advantage Checking account; and
2. Have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening.

Business Days are Monday through Friday excluding any holiday on which the Bank and/or the Federal Reserve are closed for processing. Transactions received or occurring on a day other than a Business Day will be posted the next Business Day.

Checking cash bonus offer is limited to one per customer and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking customers (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.

Qualifying direct deposits are deposits of regular income -- such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party -- using your account number and BMO’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, BMO Digital Banking transfers or deposits, deposits processed as a debit card credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers.

You are only eligible for one checking account cash bonus; you cannot open multiple checking accounts and receive multiple cash bonuses. The promo code is applied to the first checking account that is opened between May 5, 2025 and September 8, 2025. Day 1 is the day you open your account andbegins the tracking period. If you open your account on a day other than a Business Day, Day 1 is the next Business Day. Your account must be Smart Money Checking or Smart Advantage Checking when the cash bonus is paid into the checking account approximately 100 days after account opening.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC