To qualify for the relationship rate, you must either (a) have 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) during the previous calendar month on your linked Performance Checking, Performance Select Checking account or Spend account using your Visa Debit Card or your linked Visa credit card, or (b) have qualifying direct deposits. Starting with the calendar month following when you open your account and monthly thereafter, whether the account earns the standard or the relationship rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions for the previous calendar month. A qualifying direct deposit is (a) $2,000 for Virtual Wallet with Performance Spend or Performance Checking ($1,000 for workplace or military banking customers), and (b) $5,000 for Virtual Wallet with Performance Select or Performance Select Checking.