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 You’re automatically enrolled in the Callaway Bank Rewards program at no additional cost. Earn points on everyday purchases made with your debit card that can be redeemed for gift cards, merchandise, travel packages, or donated to select local charities! Tax payments and ATM withdrawals are not eligible to receive Callaway Bank Rewards. Full program details and register now. 

4 Transactions excluded from Callaway Bank Rewards point calculation include the following: (a) cash advances, ATM withdrawals, convenience checks, and balance transfers, except as otherwise permitted in special promotional offers: (b) any bank fees and card-related charges posted to a Rewards Card account, including ATM fees, late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable Cardholder agreement; or (c) tax payments or any unauthorized charges or transactions.

5 Contact The Callaway Bank to waive (one) $35.00 overdraft fee per rolling 12-month period. Must be enrolled in overdraft protection.Courtesy Pay is only available for accounts opened in-branch and is not available with accounts opened online.

6 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.
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 for Simple Checking and Cash Back Debit Card Accounts; $1200 for Ultimate Checking Account Checking and Gold Leaf Interest Checking Accounts.Courtesy Pay is only available for accounts opened in-branch and is not available with accounts opened online.