1 Bonus is not available to existing Blue Foundry Bank Checking customers or customers that have closed their checking account within the last 12-months. Bonus will be earned when account maintains a consecutive combined direct deposit of $500 or more each month during the 6-month (182 days) qualification period. The direct deposit must be credited to the account within the first 60 days of account opening. Once the qualification period has concluded, the account will be credited the $300 bonus within 60 days. For tax purposes, bonus will be reported on form 1099.

2 Unlimited ATM fee reimbursements apply to cash withdrawals using your Debit MasterCard® at all participating Accel and Cirrus ATMs worldwide. ATM fee reimbursements do not apply to any fees other than those assessed for using an ATM to withdraw cash from your account. Blue Foundry Bank® makes its best effort to identify those ATM fees eligible for reimbursements, based on information it receives from MasterCard® and ATM operators. Blue Foundry Bank reserves the right to modify or discontinue the ATM fee reimbursements at any time.

3 Bonus will be earned when a single deposit of $15,000 or more of new money is deposited into the account and the balance is maintained for a 6-month (182 days) qualification period. New money is defined as money not currently on deposit with Blue Foundry Bank. Once the qualification period has concluded, the account will be credited the $300 bonus within 60 days. This account earns a blended variable rate: balances of $.01 - $4,999.99 earn an APY (Annual Percentage Yield) of 3.80% based on an interest rate of 3.73%; balances of $5,000 - $249,999.99 earn an APY of 1.30% based on an interest rate of 1.29%; and balances of $250,000 and up earn an APY of 2.20% based on an interest rate of 2.18%. Rates are effective as of 10/22/25 and subject to change after account opening. Minimum opening deposit of $5. Fees may reduce the earnings on the account. Blue Foundry Bank reserves the right to discontinue the availability of this promotion at any time.

4 Rate effective as of 10/22/25 is variable and is subject to change after account opening. Fees may reduce the earnings on the account. Minimum deposit to open $100. To qualify for the 3.85% APY (Annual Percentage Yield), you must deposit $25,000 or more in new money or from a Blue Foundry Bank maturing CD. If you are in an existing CD and would like to transfer the funds prior to maturity, the terms of your certificate, including the penalty, will apply. APY of 3.85% is based on an interest rate of 3.78%. Requires eBanking enrollment and electronic statements. Refer to our Fee Schedule for paper statement fee.

5 APY (Annual Percentage Yield) of 3.95% is based on an interest rate of 3.87%. Must open a new or have an existing checking to qualify. Penalty for early withdrawal. Rate applicable to initial term only and upon maturity will automatically renew to a 6-month CD.

6 APY (Annual Percentage Yield) of 3.85% is based on an interest rate of 3.78%. Must open a new or have an existing checking to qualify. Penalty for early withdrawal. Rate applicable to initial term only and upon maturity will automatically renew to a 6-month CD.

Accounts opened online require eBanking enrollment.