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.lnb.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.