Cash Back Checking
Cash Back Checking actually pays you money for using your debit card. That's right. No points and no category restrictions. Just cash back in your pocket where it belongs. Get cash back when you buy gas, groceries, clothes, home-improvement items–anything you normally purchase with your debit card. You even get nationwide ATM fee refunds!
- Summary
- Cash back on everyday debit card purchases
- No minimum balance required to maintain account
- Nationwide ATM fee refunds*
- Free OnLine Banking
Qualifications:
It's easy! In order to receive cash back each monthly qualification cycle, simply do the following normal banking activities which you're probably already doing anyway!
- Have at least 10 debit card purchases post and clear
- Have at least 1 automatic payment (ACH) or direct deposit post and clear
- Receive your monthly account statement electronically
If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. You can get right back to earning rewards the next cycle you qualify.
Cash Back Rebate:
Your average daily balance determines the maximum purchase amount that can receive Cash Back rewards. See the chart below:
| Average Daily Balance | 4% Cash Back on Debit Card Purchases Up To: | Maximum Cash Back Reward |
| $0 - $2,000 | $100 | $4 |
| $2,000.01 - $5,000 | $200 | $8 |
| $5,000.01 - $10,000 | $400 | $16 |
| $10,000.01 - $25,000 | $750 | $30 |
| $25,000.01 and over | $1,000 | $40 |
Disclaimer:
Minimum to open account is $100. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.
*ATM Fee reimbursements provided only if qualifications are met during the monthly qualification cycle. If you have met your qualifications for the monthly qualification cycle, we will refund all ATM fees, whether imposed by us or a third party, for the monthly qualification cycle. Because of system limitations, we must calculate the amount of ATM fees imposed by others. To do that, we identify the amount of the ATM withdrawal and then we round that amount down to the nearest $5.00. We then subtract the rounded down amount from the amount of the withdrawal to calculate the amount of the surcharge. This calculation will not be accurate if the amount of the surcharge is equal to or greater than $5.00. Therefore, we will automatically refund only the fee amount in excess of $5.00, but we will refund the full amount if you present us with a receipt that shows the full amount of the fee. Full account disclosures available.
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