Stephen Fraser

ROGER Project Operations Manager

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+1(844) 995-2484

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103013415

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*Member FDIC. All customer deposits under ROGER and Citizens Bank of Edmond would be combined for a total insurance amount of $250,000.

¹APY = annual percentage yield. The APY is effective as of 12/19/2025 and the variable tiered rates are subject to change without notice. The first tier of ROGER savings accounts earn 3.61% APY on account balances =< $250,000 and balances over $250,000 do not earn interest (0% APY). A checking account is required to open a savings account. There is no minimum balance requirement for ROGER checking or savings account. Fees could reduce earnings on the account. Other restrictions may apply.

²With Early Payday, Citizens Bank of Edmond may make incoming electronic direct deposits made through Automated Clearing House (ACH) available for use up to four days before the scheduled payment date. Not all direct deposits are eligible for early payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor's payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only.

³For any customer who sets a Savings Goal and selects Round Up as a way to save, ROGER automatically rounds up debit card purchases to the nearest dollar and transfers that amount from your Checking Account into your Savings Account. For the first 90 days after account opening, ROGER will match 100% of round-ups, up to $100.00 and deposit it into your savings the first business day following 90 days after account opening. Starting on the first business day of the month following the initial 90 days, ROGER will match 15% of round-ups, up to $20.00 per month. The Round Up funds will be deposited in your Savings Account every 30 days following the start of the new 15% Round Up match period. If you turn off Round Up as a way to save, you will no longer receive Round-Up Match funds. The match credit is tax reportable, but should not be reported as interest.

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Stephen Fras­er

Stephen Fraser