Checking Accounts

1 Important information to obtain 3.89% Annual Percentage Yield | SPECIAL RATE DISCLOSURE applies to 9-MONTH Certificate of Deposit

9-Month Certificate of Deposit:¹

A 9-month Certificate of Deposit with a 3.89% APY is available from February 9, 2026, to April 18, 2026, when you deposit new money not currently held by you at Johnson Bank or its affiliates or renew an existing 9-month CD held at Johnson Bank with a current interest rate of 4.17% or 4.27%. A minimum opening balance of $5,000 is required. The maximum deposit amount is $2,000,000. Interest rate 3.87%. There is no limit on the number of CDs that may be opened per household. This APY offer includes IRA Certificates of Deposit and Small Business Certificates of Deposit; however, it is not available for our standard business accounts, business products, brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal.

1)      This offer is subject to change.

2 Deposit Rate Special Disclosure

The Deposit Rate Special is not available for Business or Municipal accounts, and individuals are ineligible if they have closed an account within the past 90 days or previously closed an account with a negative balance within the last three years; there is no limit per household. This offer is available to individuals renewing a 9 month CD at the rate of 4.17% or 4.27%, or to those bringing in at least $5,000 in new money, defined as funds not currently held by Johnson Bank. To qualify, individuals must deposit the required minimum amount of $5,000 in new money and open one of the following Money Market accounts, each with its own separate minimum opening deposit: Signature Money Market ($1,000), Relationship Money Market ($25,000), or Private Banking Money Market ($100,000). The minimum amount of $5,000 in new money counts towards the deposits but does not replace the account specific minimum opening deposit requirements. Interest is calculated using the Daily Balance Method and the account must remain open and in good standing for the entire promotional term, during which the fixed bonus rate applies to the full balance. If required deposits are not maintained, or after the promotional term ends, the account may revert to the standard tiered variable rate as listed on the current rate sheet, which is subject to change without notice. This offer cannot be combined with other promotions, and interest earned will be reported on IRS Form 1099 INT or 1099 MISC.