Cash Back Banking

Definitely our most popular checking account, Cash Back Banking is loaded with value and benefits that will help you spend smarter and save more!

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 credit in the amount of $.25 times the number of debit card POS  swipes that post in your statement cycle. (POS at a merchant, not an ATM)

You will see the $6.00 charge on your statement as well as a credit back called “Debit Card Usage Refund” which is your usage refund ($.25 times the number of POS debit card swipes 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.)

Check Card:  VISA Check Card available FREE and no transaction charges

Image Checking System:  Check Safekeeping

Bill Pay:  Free

Internet Banking:   Free

Telephone/Mobile Banking:  Bank anywhere, anytime right from your phone

E-Statements:  E-Statement (electronic delivery of your monthly bank statement) is required on the Cash Back Banking product.  If you prefer paper statements, that is available for an additional $2.00/month.

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