Insured by NCUA. Membership is required for a Harborstone checking account and must include a savings account with a minimum $5 opening deposit. The PNW Cash Back Checking account requires a minimum $25 opening deposit. Debit transactions earn 1% cash back on a maximum of $3,000 worth of transactions posted and cleared within that month, for a cap of $30 cash back per month, deposited directly into your account. Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back. *One direct deposit or one ACH withdrawal made each month is required. Qualified transactions exclude unauthorized or fraudulent activity, ATM withdrawals, or purchases of cash equivalent (gift cards, money orders, etc.). This offer cannot be combined with any other offer, and there can be only one PNW Premier or PNW Cash Back account per Social Security number. Members may switch between PNW Cash Back and PNW Premier a maximum of two times per year, at which point the member must stay with the last chosen account for 365 days before they can switch again. Offers are subject to change at any time.

**This does not include international ATMs, foreign ATM withdrawals, balance inquiries, and ATM deposit fees; Harborstone Credit Union is not responsible for surcharge fees assessed by ATM owners.

***PNW Cash Back Checking Prize Drawing Official Contest Rules

1. No purchase or obligation necessary to win.
2. To Enter: Members who open a Harborstone Credit Union PNW Cash Back Checking account between July 7, 2025, and August 30, 2025, will be automatically entered to win a s’mores kit and tabletop Solo Stove®. To enter the giveaway without opening a new PNW Cash Back Checking Account, visit your local Harborstone Credit Union branch by August 30, 2025, and ask a representative to enter you into the drawing. All in-branch entries consent to marketing communications from Harborstone Credit Union.
3. Eligibility: Must be at least 18 years or older and a U.S. resident to enter. Must live in Washington state to be eligible for entry. Proof of Washington state residency may be required. Employees of Harborstone Credit Union, volunteers, and their immediate family members are not eligible for entry.
4. Prizes: Tabletop Solo Stove® and s’mores kit.
5. Prizes restrictions: Prize cannot be requested in cash; winnings will be distributed only as a s’mores kit and tabletop Solo Stove® with a maximum value of $200.
6. Drawing: Winning entries will be randomly drawn from all those who entered during the week of September 8, 2025. Drawing will be conducted at Harborstone Credit Union, 9611 Gravelly Lake Dr. SW, Lakewood, WA 98499. Winner does not need to be present.
7. Odds: Odds depend on the number of entries.
8. Winner Notification/Prize Award: Winners will be contacted by the primary email and/or phone number on record before September 19, 2025. If a selected winner cannot be contacted within seven (7) business days of first contact, a secondary winner will be selected. Winners must consent to give Harborstone Credit Union rights to use their likeness on social media and other marketing channels, otherwise will forfeit the prize.
9. Additional Terms: By participating, entrants agree to: a) The Official Contest Rules and the decision of the employees and Harborstone Credit Union, which will be final in all respects; b) Release, discharge, and hold harmless Harborstone Credit Union, its officers, directors, and employees from any liability, claims, or damages arising out of their participation in the Drawing and the acceptance, use, misuse, or possession of any prize. Void where prohibited or restricted by law. The Drawing is subject to all applicable federal, state and local laws, regulations and taxes.
10. Limitations of Liability: Harborstone Credit Union is not responsible for the printing of or typographical errors in any prize-related materials; for stolen, lost, late, misdirected damaged, incomplete, or illegible entries. Harborstone Credit Union reserves the right to cancel or modify the Drawing if fraud or technical failures compromise the integrity of the drawing as determined by Harborstone Credit Union, in its sole discretion.
11. Winners List: For the name of the winners, mail a self-addressed, stamped envelope to “PNW Cash Back Checking S’more Giveaway”, Marketing, Harborstone Credit Union, 9611 Gravelly Lake Dr. SW, Lakewood, WA 98499. Requests must be received no later than September 30, 2025.
12. Sponsored by: Harborstone Credit Union
13. Trademarks: Solo Stove® is owned and trademarked by Solo Brands, LLC. Unauthorized use of this name is strictly prohibited by law.

Harborstone Credit Union, 9611 Gravelly Lake Dr. SW, Lakewood, WA 98499

Terms are effective July 7, 2025, and are subject to change.