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Compass Preferred Client® Program

Being a Preferred Client Means You Get More

The Compass Preferred Client program is our way of showing you how much we appreciate your relationship with Compass.

This unique program recognizes you as one of our best customers by rewarding you with special benefits and a higher level of service no matter how, when or where you choose to bank with us, all at no additional cost. There are two levels of membership, so the more you bank with us, the more rewarding it is to be a Compass Preferred Client.

Start enjoying Compass Preferred Client Banking® benefits today. It's easy to become a member. All you need is a Compass consumer checking account and qualifying balances.

The two levels of Preferred Client benefits are:

Preferred Client Preferred Client Plus
$25,000 - $99,000 in qualifying balances and a Consumer checking account† $100,000 and more in qualifying balances and a Consumer checking account
  • Access to the dedicated Preferred Client Service Unit
  • Preferred Gold Visa Check Card with Visa® Extras and higher daily ATM and purchase limits*
  • Complimentary Preferred Client checks, cashier's checks, and Travelers Cheques
  • Preferred funds availability on deposits up to $10,000**
  • Immediate provisional credit for disputed ACH and debit transactions††
  • Monthly subscription to web-based Kiplinger's Retirement Report
  • Email notice of pricing specials and benefit updates
  • Up to $350 of your appraisal fee refunded by Compass on new, closed mortgages***
  • Expedited home equity loan/line processing
  • Combined monthly statement‡
  • Access to MyCompass, a central secure site to review all your online accounts.
  • Receive all Compass
    Preferred Client benefits, plus:
  • Automatic rebates of other banks' ATM fees†††
  • Free small-sized safe deposit box§
  • Preferred funds availability on deposits up to $25,000 daily**
  • Preferred Platinum Visa Check Card with even higher daily ATM and purchase limits and Visa Concierge Service*
  • Double Visa Extras points on qualifying purchases*
  • Unlimited "stop payment" fee waiver requests
  • Complimentary consultation with a Personal Investment Officer§§

QUALIFYING BALANCES+

  • Consumer Checking account
  • Consumer Savings account
  • Money Market account
  • Outstanding balance on Compass
    Credit Cards
  • Principal Balance on loans and lines of credit
  • CDs (50% of balance)

*Important Terms and Disclosures

†Qualifying balances for Compass Preferred Client program:
Qualifying balances include: consumer checking, savings, and money market accounts, principal balance on loans and lines of credit, outstanding balance on credit cards, and 50% of CD balances, but exclude: first lien mortgage loans, investment, insurance, trust, and business accounts. Compass Bank reserves the right to review qualifying balances for Compass Preferred Client status on a periodic basis. Compass reserves the discretion to enroll clients regardless of presence of checking accounts or balances. Compass Preferred Client program subject to change or termination at anytime, without prior notice to you.

*Visa Check Cards:
Visa Check Cards are subject to approval. A "Qualifying Purchase" is any signature-based purchase, Internet purchase, phone or mail-order purchase, bill payment, contactless purchase (purchases made by holding your Visa card or other device up to a secure reader instead of swiping your card), or small dollar purchase for which you are not required to sign, made with an enrolled Visa card, which is processed or submitted through the Visa U.S.A. Inc. payment system. A Qualifying Purchase does not include a purchase made using a Personal Identification Number (PIN) or purchase you initiate through identification technology that substitutes for a PIN. Only transactions that do not earn CompassPoints may be qualifying transactions. Additional restrictions apply. For more information on qualifying purchases, see program terms and conditions. You must enroll in Visa Extras online in order to receive points. Visa Concierge Service: All costs for goods and services purchased through the Visa Concierge Service are the card holder’s responsibility. Additional terms and conditions may apply. The costs of goods or services purchased are billed to your covered Visa card.

**Preferred funds availability on daily deposits:
Deposited funds will not be held on deposits made to your consumer checking account up to $10,000 a day for the Compass Preferred Client program and $25,000 a day for the Compass Preferred Client Plus Program. Compass Bank reserves the rights to and has discretion to put a hold on items in accordance with applicable law, regulations and account agreement.

††Immediate provisional credit:
In order to receive immediate provi­sional credit the total amount of the claim must not exceed $5,000. If the claim amount is greater than $5,000 no immediate credit will be given. A claim is defined as the total dollar value of the combined transactions filed for dispute investigation.

***Mortgage Loans:
Mortgage Loans subject to approval, including credit approval. Offer applies to first lien to purchase or refinance residential real property made through Compass Bank Mortgage Financial Services. Home Equity loans, second mortgage loans, lot loans, lines of credit, and other loans that are not first mortgage loans do not qualify. Loan must close in order to qualify for the offer.

‡Combined Statement:
Combined Statement includes consumer account information on checking, savings, home equity loans and lines of credit, time deposits and credit cards.

†††ATM Rebates:
International service fees can also be rebated upon request. Fees for point-of-sale transactions, even if made at an ATM, are not rebated. In order to receive a rebate of ATM fees, the fees must be itemized on the transaction record.

§Safe deposit boxes are subject to availability. 50% discount on larger sizes where available.

§§Personal Investment Officer:
Securities and Investment products offered through Compass Brokerage, Inc. Member FINRA and SIPC and an affiliate of Compass Bank. Insurance products are offered through Compass Insurance Agency, Inc., an affiliate of Compass Bank.

Securities and Insurance Products:

Are NOT Deposits Are NOT FDIC Insured
Are NOT Bank Guaranteed May Lose Value
Are NOT insured by any Federal Government Agency