*To qualify for the INFIR$T REWARD$ CASH BACK CHECKING account and receive reimbursements for domestic ATM fees and surcharges, you must meet the requirements listed below during the monthly qualification cycle.
- Debit Cards: 12 debit card purchase transactions must post and settle to your account per monthly qualification cycle. Only debit card transactions processed by merchants and received by the bank as Point of Sale (POS) transactions count towards qualifying debit card transactions. ATM transactions and transfers do not count towards qualifying debit card transactions. Please note, transactions must post and settle to your account during the monthly qualification cycle. Transactions may take one or more business days from the date the transaction was made to post and settle to an account.
- Electronic Statements: You must be enrolled and receive your monthly account statement electronically. Contact us for details on how to enroll.
- Direct Deposit or ACH payment: One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle.
Monthly Qualification Cycle means a period beginning the first day of the current statement cycle through to the close of the current statement cycle. Legal holidays and weekends affect the monthly qualification cycle. Please check the monthly qualification cycle calendar HERE – it can also be provided upon request at any branch location.
Cash Back Rewards – When qualifications for INFIR$T REWARD$ Cash Back Checking have been met you’ll receive 3.00% cash back, up to an aggregate amount of $6.00 per monthly qualification cycle, on everyday debit card purchases of $200 or less that post and settle to your account during the monthly qualification cycle. Cash Back Rewards will be credited to your account on the last day of your statement cycle. ATM Fee Reimbursement: if you’ve met your qualifications* you’ll be reimbursed for your domestic ATM fees imposed by our institution, and fees imposed by other domestic ATM operators. The reimbursement is an aggregate amount of $20 per monthly qualification cycle. The qualifying amount will be deposited into your account at the completion of each end-of-cycle period. ATM fees will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or more will be reimbursed by presenting your ATM receipt at one of our branches. ATM transactions and transfers do not count as a qualifying transaction. If you close your account, you’ll forfeit reimbursements not yet credited to your account. ATM reimbursement rate may change at the bank’s discretion. Reimbursement of international ATM fees do not apply. Minimum deposit to open account is $100.
Inactivity Fee – If a checking account has less than a $100 balance with no transactional activity for a consecutive 12-month period, an inactivity fee of $5.00 per month will be assessed.
Dormant Account Fee – If no activity has occurred on the account after 24 months, a fee of $5.00 per month will be assessed.
Fee Schedule – You can request a copy of our fee schedule at any branch location, or by clicking HERE.
Effect of closing account – If the account is closed before the rewards are credited, you will forfeit the final cash back rewards including ATM fee and surcharge reimbursements.
Additional Terms – Limit one INFIR$T REWARD$ CASH BACK CHECKING account per social security number. Business or non-profit accounts are ineligible.
