How Do You Earn Cash Back?

For every $1 you spend on your Cash Back Debit Card you’ll receive 4 cents credited back to your account, up to $8 max!¹

You’ll receive the credit to your account at the end of each statement cycle provided that you qualified that cycle by also doing the following:

• Use your Debit Card for at least 18 purchases
• Receive at least $1,200 in Direct Deposits
• Be enrolled in eStatements

Receive ATM Fee Refunds Too!

PLUS, when you meet the minimum qualifications for that statement cycle you’ll also be refunded any out of network ATM fees, up to $12.  ^{1, 2}

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Plus, when you bank with us you have the Digital Banking you expect backed by local bankers who are focused on your financial goals and needs.

Track Your Spending: Create budgets and savings goals and stick to them by visually tracking your progress with Money Insights. This money management tool is included with our Cash Back Debit Card and other personal checking accounts.

Need Cash? We won’t charge a fee to use another bank’s ATM. If you do receive a fee from an out-of-network ATM, we’ll automatically refund up to $12 per statement cycle. (1,2) Plus, when you bank with us you have 40,000 MoneyPass^® network ATMs. When you use these ATMs, it’s just like using your local Ashland, Fulton, Columbia, Millersburg, Mokane, or Kingdom City ATM!

Cash Back Debit Card account

The Callaway Bank Debit and Credit Mastercard Program

Disclosures:

1 To qualify for cash back rewards and ATM refunds each statement cycle you must: a) make at least 18 qualified debit card purchases which must post and settle to the account during the statement cycle, b) be enrolled in eStatements only, and c) receive a minimum of $1,200 in direct deposits. The following activities are not qualified purchases and do not count toward earning cash back rewards on the Cash Back Debit Card Account: ATM-processed transactions, purchases with a debit card not tied to this account, transfers between accounts, transactions made via ACH or Person to Person (P2P) debit purchases processed by merchants and received by our bank as ATM transactions. Additionally, unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, prepaid debit cards or other cash equivalents) are not qualified purchases. Account transactions may take one or more days to post and settle to the account and all must settle during the statement cycle in order to qualify. Any purchases that are returned, refunded, or otherwise credited to your account are not qualified purchases, and may result in a reduction of your cash back rewards. The total annual reward amount will be reported as interest earned on IRS Form 1099-INT and you are responsible for any applicable taxes. Paper statements disqualify you from receiving cash back rewards.

2 ATM reimbursements of up to $12 for non-Callaway Bank ATM fees incurred during the statement cycle are refunded at the end of each statement cycle. Excludes international ATM and exchange fees.

3 We may, at the sole discretion of the Bank, pay overdrafts, including our normal Non-Sufficient Funds (NSF) Fees or Courtesy Pay Paid Item Fees. ATM and everyday debit card transactions will be covered only if prior authorization is on file with the bank. OVERDRAFT (OD)/NON-SUFFICIENT FUNDS (NSF) FEES: NSF items are defined as items that were returned unpaid. OD items are items that are paid. All items presented against insufficient funds are automatically charged fees by the computer system. These fees are as follows:

• Item(s) that create an overdrawn balance of less than $35.00 will not result in an NSF Returned Item Fee or Paid Item Fee.
• Item(s) that create an overdrawn balance of $35.00 or greater will be charged a $35.00 per item NSF Returned Item Fee or Paid Item Fee.
  Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
  UNCOLLECTED FUNDS FEES: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
• Item(s) that present on an uncollected balance of less than $35.00 will not result in an Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
• Item(s) that present on an uncollected balance of $35.00 or greater will result in a $35.00 per item Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
  Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
  COURTESY PAY PROGRAM: Courtesy Pay is extended, without additional charge, to all personal account holders with checking accounts in good standing. Account holders in good standing are defined as:
  1. making regular deposits sufficient to cover transactions;
  2. bringing accounts current for at least one (1) business day every 30 days; and
  3. not having any legal orders, judgments, or liens outstanding against the account.
• COURTESY PAY PROGRAM OVERDRAFT FEES: For Accounts that are opted-in to the Courtesy Pay Program (CP) and have items presented against insufficient funds, items will be paid up to the account’s Courtesy Pay limit if the client has not revoked their Courtesy Pay Program opt-in or the bank has not revoked the Courtesy Pay Program privilege. These fees are automatically charged by the computer system against all items. These fees are as follows:
• Item(s) that create an overdrawn balance of less than $35.00 will not result in a Courtesy Pay Paid Item Fee.
• Item(s) that create an overdrawn balance of $35.00 or greater will be charged a $35.00 per item Courtesy Pay Paid Item Fee.
  COURTESY PAY UNCOLLECTED FUNDS FEES: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
• Item(s) that present on an uncollected balance of less than $35.00 will not result in an Uncollected Funds Courtesy Pay Paid item Fee
• Item(s) that present on an uncollected balance of $35.00 or greater will result in a $35.00 per item Uncollected Funds Courtesy Pay Paid item Fee.
  Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
  Maximum Daily OD/NSF Fees are limited to three (3) per day or $105.00.
  A $4 Continuous Day Overdraft Charge, will be imposed daily beginning on the 3rd business day an account has been overdrawn $35.00 or more and will continue until the account balance is positive.
  Courtesy Pay Limits: $800 Cash Back Debit Card Account.
  Courtesy Pay is only available for accounts opened in-branch and is not available with accounts opened online.