Cash Back Checking

Just do the following during each Monthly Qualification Cycle:

• Have at least 15 debit card purchases post and settle to your Cash Back account
• Have 1 Direct Deposit (ACH Credit) per Month
• Be enrolled in and agree to receive eStatements

Simple as that! If you don't meet qualifications in a given cycle, your Cash Back account remains free, and you can earn rewards again the next month.

• Free Visa^® debit card
• Free digital banking, including:
  • Online banking
  • Mobile banking
  • eStatements
• Free mobile pay services
• Free ANB and Allpoint ATMs
• Transfer funds with Zelle^®
• Overdraft protection
  • NSF charges: $19 per item
• Check images available through Digital Banking

Cash Back Checking: ^Qualification Information:

Account transactions and activities may take one or more

days to post and settle to the account and all must do so

during the Monthly Qualification Cycle in order to qualify for

the account's rewards. The following activities do not count

toward earning account rewards: ATM-processed transactions,

transfers between accounts, debit card purchases processed

by merchants and received by our bank as ATM transactions,

non-retail payment transactions and purchases made with debit

cards not issued by our bank.  Transactions bundled together by

merchants and received by our institution as a single transaction

count as a single transaction for the purpose of earning account

rewards. "Monthly Qualification Cycle" means a period beginning

one (1) banking day prior to the first day of the current statement

cycle through one (1) banking day prior to the last business day

of the current statement cycle.  See our website, www.anb.com,

or contact one of our branch service representatives for specific

Monthly Qualification Cycle dates.

Reward Information: When Cash Back qualifications are

met during a Monthly Qualification Cycle, you will receive a

$15 cash  back payment. You will receive reimbursements up to an aggregate total

of $15 for nationwide ATM withdrawal fees incurred within your

Cash Back account during that Monthly Qualification

Cycle.  We reimburse ATM withdrawal fees based on estimates

when the withdrawal information we receive does not identify

the ATM withdrawal fee.  If you have not received an appropriate

reimbursement, we will adjust the reimbursement amount if we

receive the transaction receipt within sixty (60) calendar days

of the withdrawal transaction.  When your Cash Back

account qualifications are not met, no cash back payments are

made and ATM withdrawal fees are not refunded. Cash back

payments and nationwide ATM withdrawal fee reimbursements 

will be credited to your Cash Back account as soon as account 

qualifications are met and will post throughout the monthly qualification 

cycle until the maximum of $15 has been reached.  No minimum balance 

is required to earn or receive the account's rewards. 

Additional Information: Account approval, conditions,

qualifications, limits, timeframes, enrollments, log-ons and other

requirements apply. A $50 minimum deposit is required to open

the account.  Enrollment in monthly e-statements is required

to meet the account’s qualifications. Limit of one (1) account

per customer. There are no monthly maintenance charges or

fees to open or close this account. This account is not to be

used for commercial purposes. If the account is closed, you will

forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account

qualifications being met during each cycle period. Contact one

of our bank service representatives for additional information,

account details, restrictions, reward calculations, processing

limitations, cycle dates and enrollment instructions.