Cash Back Banking

Definitely our most popular checking account, Cash Back Banking will help you save time and money!

Cash Back Banking Cropped

Opening Deposit:  $100

Minimum Balance:  None

Monthly Service Charge: A $6.00 service charge will be deducted from your account on the last day of your statement cycle. However, we’ll give you a $.25 credit for each debit card POS transaction that posts in your statement cycle. (POS at a merchant, not an ATM)

You will see the $6.00 service charge on your statement as well as a credit back called “Debit Card Usage Refund”  ($.25 times the number of POS debit card transactions that post in your statement cycle).  This can reduce or even eliminate the net cost of your account for that month depending on how many debit card transactions you run in the cycle!  Your credit back cannot exceed $6.00 (or $8.00 if you choose paper statements).

Per Item Charge:  None

Interest:  No

ATM Access:  Free ATM use at any bank’s ATM  (Owner of ATM surcharges, if any, still apply.)

Debit Card:  VISA Debit Card available FREE and no transaction charges 1

Printed Checks:  Customer pays for checks if desired.  Styles and prices vary.

Bill Pay:  Free

Internet, Telephone and Mobile Banking with Mobile Deposit:  Free – bank anywhere, anytime.

E-Statements:  E-Statement (electronic delivery of your monthly bank statement) is standard on the Cash Back Banking product.  If you prefer paper statements, that is available for an additional $2.00/month. E-Statements are a free service and will look identical to the paper statement and images you are accustomed to receiving in the mail.

Image Checking System: Free – Images of checks and deposits included with your E-statement.


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1 With application and approval.