Treat Yourself: Checking with Rewards at The Bank of Tioga

Try The Bank of Tioga’s free rewards checking account that comes with great perks. The Bank of Tioga offers a Rewards checking account that helps you earn cash back on your debit card purchases. To earn the reward, you’ll need to do a few things that you might already be doing, like using your debit card each month and be enrolled to receive eStatements.

What is a rewards checking account?

This account is similar to a traditional checking account but it allows you to DO MORE with your money via cash back on your debit card purchases and reimbursements for ATM surcharges.

What comes with a reward checking account?

How does the cash back work?

This account allows you to earn a certain amount of money back on purchases you make with your debit card. There are no category restrictions on purchases, you can earn cash back on any purchase when you use your debit card.

Here are some other features of this checking account:

  • Refunds on ATM withdrawal fees nationwide (up to $10 per cycle)*
  • Unlimited check writing (client purchases checks)
  • Free debit card
  • Free online services including online banking with bill pay, mobile banking and eStatements
  • $50 minimum deposit to open
  • No monthly service fee
  • No minimum balance requirement

What are the benefits of this account?

The biggest benefit of this account over a traditional checking account is the cash back you receive on your purchases. Additionally, you would receive:

  • 5% cash back on debit card purchases*
  • Earn up to $10.00 cash back each month
  • No category restrictions on purchases

How do I qualify for the rewards?

Earning rewards is a piece of cake. Just do the following activities and transactions in your account each monthly statement cycle:

  • Have at least 1 direct deposit, ACH payment or bill pay transaction post and settle
  • Have at least 15 debit card purchases post and settle within the statement cycle (ATM withdrawals do not count)
  • Be enrolled and agree to receive eStatements

Don't worry if you come up short sometimes. Your account is always free and there is no penalty fee. Plus, you can still earn cash back and refunds on ATM fees the very next cycle. For more clarification, please see our Qualifications Calendar.

How do I open a new checking account?

Stop in to either of The Bank of Tioga locations and ask us to open a new account. We would love to help you do more with your money through rewards checking!

DO MORE with your money at The Bank of Tioga

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit thebankoftioga.com, call 701.664.3388 in Tioga or 701.965.6333 in Crosby. #igniteprosperity

*Minimum to open is $50. If qualifications are met each monthly statement cycle: (1) ATM fees incurred during statement cycle will be reimbursed up to $10.00 and credited to account on the last day of monthly statement cycle; (2) On the first business day following the end of the statement cycle you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during statement cycle up to a maximum cash back earned of $10.00 per monthly statement cycle. If qualifications are not met you will not receive cash back on debit card purchases and ATM fees are not refunded. Qualifying transactions must post to and settle Rewards Checking account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count toward qualifying debit card transactions. Monthly direct deposit, an ACH payment or a bill pay transaction is a condition of having this account. Available on personal accounts only. Limit one account per Social Security Number. Member FDIC.