How can I make 12 Debit Card Transactions each month? Debit Card Purchases are far easier than you think. With the ever rising price of gas, most people are filling up their tank ATLEAST four times a month. How about the grocery store? The average person makes grocery purchases ATLEAST three times a month. Fast food chains are accepting Debit Card transactions, as well as basically every major retailer. 12 transactions will be easier than you think! Do ATM withdrawals count towards my Debit Card Transactions? No, only Point-of-Sale transactions. What do you mean by "a Direct Deposit or ACH is required each month?" To earn the Rewards Checking premium dividend an automatic deposit to your checking account such as your payroll or social security benefit is required. If you don't receive a direct deposit right now, perhaps your employer will allow you to do so. An ACH Debit from your checking account could be cable, water, and telephone bills or gym memberships. You may also pay a bill through ePay, your FREE Online Bill Pay Service, to meet your requirements. I see that Online Banking and eStatements are required. Is there a charge for this service? No, both of these services are absolutely FREE. ePay is also FREE. Is this right, I can get $25 of ATM FEES NATIONWIDE, absolutely free each month? Yes, up to $25 of domestic ATM fees are automatically refunded at the end of each month you meet the requirements. There is a maximum of $5 per transactions. What happens if I fail to meet the minimum requirements each month? Your account is still FREE and will still earn dividends at 0.10% APY. However, ATM fees will not be refunded. Each month is looked at as an entirely separate cycle. You will be ready to start over the next month. Is Rewards Checking rate guaranteed, will it change? The rate itself is not guaranteed, but a great rate is. You can rest assured that you be earning a fantastic rate! If I meet the requirements, when will I receive my rewards? On the last day of the statement cycle ATM fee refunds will be posted and dividends will be calculated. Dividends are posted the first day of the next month. What happens if I am short by one transaction, can you make and exception for me? Unfortunately, Rewards Checking is governed very strictly and in an entirely automated fashion. This means we can't make exceptions, but you have the next month to try again. 
Rewards Checking Frequently Asked Questions
