Peoples’ Rewards Checking
- No minimum balance requirement
- No monthly maintenance fees
- Free bill pay
- All Nationwide ATM fees refunded
To earn these rewards, you must use the following services each month:
- Use Debit card for at least 10 Point of Sale (P.O.S.) transactions
- Have at least one Direct Deposit or Draft from an outside source.
- Access Internet Banking
- Receive E-Statements
Questions and Answers
Q: What happens if I don’t meet the requirements for Rewards Checking?
A: You do not receive all the “rewards”; however, you will still receive the interest rate tier of our NOW Account based on the average collected balance on your account for the statement period.
Q: Are my checks free?
A: If you qualify for either our Student Checking or Ideal Accounts, you will receive your checks per those account agreements, otherwise; check charges will apply.
Q: If I use my check card at an ATM, will that transaction count toward my ten required check card transactions?
A: No. Only transactions used to purchase goods and services will qualify as a required check card transaction. (POS Purchases Only)
Q: May I “carry forward” check card transactions in excess of the ten required check card transactions?
A: No. Requirements must be met during each statement cycle.
Q: Can I have a Rewards Checking account if I don’t have a computer?
A: Computer access and a valid email address are required in order to have Rewards Checking. If you do not have your own computer, you must at least have an email address and access to a computer to view your monthly statements online.
Q: What if I need a printed copy of my statement and/or check image?
A: Statements can be printed or saved from your online access. Images can be accessed and printed individually from your online account transactions for approximately two statement cycles. Copies requested from Customer Service will be provided at $4.00 per statement or $5.00 per statement with check images.
Q: Can the interest rate change on my Rewards Checking account?
A: Yes. This is a variable rate account and the rate may change at any time.
Q: If I qualify, when will I receive my “Rewards”?
A: You will receive your “Rewards” at the end of each statement period.
Q: If I use another bank’s ATM and pay a fee, how will I get a refund?
A: When you meet the requirements for Rewards Checking during your statement period, a refund of incurred fees will be made to your account and then on a daily basis for the remainder of the statement cycle.
Q: Is there a minimum balance requirement in order to receive my “rewards”?
A: No. There is no minimum balance requirement.
Q: If I convert my existing account, will the transactions from my current statement cycle on my old account be allowed as required transactions for my Rewards Checking account for this current statement cycle?
A: Yes. The system will consider your account as a Rewards Account for the current cycle.
Q: Will my statement cycle change?
A: No.
Q: May I have Overdraft Protection on my Rewards checking account?
A: Yes. Overdraft Protection is available upon qualification.
Q: Will I be able to use my existing debit card with my Rewards Checking account?
A: Yes. Your account number will not change if the card is on the same account number that is converted to Rewards Checking.
Q: How may I convert my existing checking account to a Rewards checking account?
A: You will need to come into a customer service location to complete the appropriate paperwork or contact a Customer Service Representative for other arrangements.
