*To be eligible for cash back you must sign up for e-Statements and have direct deposits of $500 or more, of your payroll, pension or government benefits, such as Social Security. At the end of each statement cycle you will be paid a $0.10 cash-back reward for every qualifying debit card purchase and direct deposit that posts to and clears your account. Cash-Back Rewards limited to $30 per statement cycle. No Monthly Service Fee when you do at least one of the following each statement period: Option #1: Keep a minimum average balance of $100 or more in your account; OR, Option #2: Keep a balance of at least $2,500 or more in any combination of qualifying deposit and certificate of deposit balances. Otherwise a $5 Monthly Service Fee will apply. Account must be maintained in good standing to earn bonus and rewards. If your statement cycle falls on a weekend or a holiday, it will end on the previous business day. Account bonuses and rewards are reported to the IRS as interest income. Other account terms and conditions may apply; please contact the bank for further details.