*Promotional 4.80% interest rate is equal to the standard ICS Follow-the-Fed interest rate plus an additional 0.80% resulting in a 4.92% Annual Percentage Yield (APY) that applies to deposit balances between $100,000 and $250,000. Standard ICS Follow-the-Fed interest rate is variable and is equal to the Fed Funds Target Rate – Upper Bound less 1.25%. ICS interest rate and APY are effective as of 12/14/23 and are subject to change. Minimum balance to open is $100,000. ICS Follow-the-Fed account requires a minimum of $50,000 of “new money” (funds at another financial institution). Customer may match “new money” deposit amount with funds from an existing BankFinancial account up to $125,000. The additional 0.80% interest rate is guaranteed through 3/31/24; thereafter, standard ICS rates and terms apply. Interest is compounded daily and will be credited to the account on the schedule date. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Requires a Spectrum Checking or Business Checking account relationship with deposit balances in excess of FDIC Insurance limits. Deposit placement through ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g. before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks.