Benefits
One of the benefits of the Platinum Choice tier versus the regular Choice tier checking.
What is higher interest rates, Credit Monitor+ with ID Protect and Restore, $100 overdraft grace zone, Unlimited out-of-network ATM surcharge refunds, Home lending discounts, or an annual financial wellness review?
The amount required in relationship balances to avoid a service fee for the Choice Checking.
What is $10,000?
The action required of a colleague when upgrading a customer into a Choice Checking account from one of our other products.
What is print/give customer required disclosures?
The interest rate (or APY) of the Associated Relationship Savings when the customer is in the Emerald Private Choice tier (as of Dec 7, 2025.)
What is 3.25% APY / 3.20% interest rate?
Where we find a customer's Choice Checking tier.
What is the "Product Benefit Tier" displayed in SalesPRO and Salesforce?
One way we explain the "Exclusive Emerald Private rate."
What is "a premium rate that adapts to changing market dynamics?" OR "a market dynamic rate designed to be priced approximately 50-100 basis points below the Fed Funds target rate."
The amount required in the relationship to qualify for the Platinum Choice tier of choice checking?
What is $50,000?
The business balances that qualify as relationship balances.
The interest rate (Or APY) of the Emerald Private Choice tier Checking account (as of Dec 7, 2025).
What is .20%?
How long a customer has without meeting the qualifications of their current tier before they are moved.
What is three consecutive months?
When Privacy Defender benefits go live.
When is January 2026?
What are all consumer deposit products, business deposit products under an SSN, all HSA products, select AIS investment products and select ATC personal accounts?
The exception process to follow to move a customer into a higher tier than the one for which they are qualified.
What does not exist in our current state?
The interest rate (or APY) of the Associated Relationship Savings when the customer is in a checking other than Choice or in the Choice base tier (as of Dec 7, 2025.)
What is .50%?
The way customers will know when they move tiers within the Choice Checking Tiers program.
What is completed by email and within digital banking?
The fees that are waived with the Emerald Private Choice tier of benefits.
What are all the fees listed in the Consumer Fee Schedule? (This includes, but is not limited to, all overdraft, ATM, Stop Payment, Bill Pay, Safe Deposit Box, Cashier's Check and Wire Transfer fees)
The amount required in relationship balances to qualify for the Emerald Choice tier.
What is $250,000?
The type of AIS accounts that do NOT qualify as relationship balances.
What are life insurance accounts?
The interest rate (or APY) of the Associated Relationship Savings when the customer is in the Platinum Choice tier (as of Dec 7, 2025.)
What is 1.00% APY / .99% interest rate?
The Expiration Date shown in SalesPRO and Salesforce.
What is the date their tier will be reassigned unless they become eligible for their current tier in time?
What could be, "Privacy Defender is a proactive Digital tool that works on behalf of our customers to remove their personal information from data broker sites. Data brokers sell personal information legally, but this puts customer's personal information at risk of being used for illegal purposes. Privacy Defender runs on a quarterly basis to continually remove our customers’ personal information from these sites and support reduction in robocalls, spam and identity theft."
The qualifications of the Emerald Private Choice tier.
What are a Choice Checking account, a relationship balance of at least $500,000, AND an open/eligible investment account?
The credit card that qualifies for the fee waivers in the Emerald Choice (first year) and Emerald Private Choice (every year) tiers.
What is the Reserve Rewards+ card - and only the Reserve Rewards+ Card, whose annual fee is $390?
The interest rate (OR APY) for the Select Money Market when the customer is in the Emerald Private Choice tier?
What is 3.25% APY or 3.20% interest rate?
The types of HSA Balances that qualify toward relationship balances.
What are all HSA Balances including deposits, investments and CDs?