*To enroll in the Military Valor Program you must show a government issued military identification card as proof you are an active duty, retired, National Guard or Reserve member or a veteran of the military and have a WaterStone Bank (WSB) checking account. $100 direct deposit credit requires a $200 minimum automatic deposit of military payroll, government benefit or employer payroll to be received within 90 days of enrollment. $100 will be credited to your WSB checking account on the first statement cycle after the direct deposit is received. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. Fees that are assessed to your checking account for withdrawing funds at an ATM with your WSB CheckCard will be refunded to your WSB checking account within the next business day. WSB Option Flex Line of Credit annual fee will be refunded to your WSB Checking Account within 30 business days of the fee being assessed to your Option Flex Line of Credit. $500 will be credited to your WSB checking account within 30 business days of closing your 1st mortgage home loan with WSB and setting up autopay from your WSB checking account. You may only receive this benefit one time with WSB. Free patriotic MVP club checks will be provided by WSB and this benefit does not include reimbursement of other check designs you have previously purchased or plan to purchase. Voucher for a free U.S. Flag will be provided annually in June if at that time your average balance of deposit accounts you own is greater than or equal to $10,000 or you have a WSB Option Flex Line of Credit or 1st mortgage home loan. Employees and agents of WSB and affiliates are not eligible. All benefits and features for the Military Valor Program are subject to change.