Rewards Debit Account

Reach your savings goals faster with the Round Up feature

• Every transaction will round up to the next whole dollar and deposit the change to your Savings Account
• Exclusive to the Rewards Debit Account
• It will never make you go negative
• You can turn this feature off at any time. Just give us a call.

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Keeping track of your money has never been easier

• Redeem rewards on the go
• Online and mobile banking for everyday transactions
• Set up a pass-code that only you know for that extra layer of security
• Upgrade your account password with Touch ID™ on your mobile device
• Have a question about your account? Call us and we'll answer the phone!     
• Access to over 900 surcharge-free ATMs across Oklahoma. If you use an ATM that's out of our network you may have to pay a fee.
• 5,000 shared branches nationwide 

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Transparency is important to us. Our fine print is actually the same size as anything else we talk about.

• Minimum of 25 debit card purchases (in person or online, excludes ATM) each cycle or a $10 monthly fee will be pulled from the debit account. If you have the Rewards Credit Card, this monthly fee will be waived. 
• $25 minimum opening deposit
• No minimum balance requirements after your initial opening deposit.
• Debit card daily limit is $500 for ATMs and $1500 at merchants
• $27.50 per Courtesy Pay occurrence and you may have multiple occurrences on the same day
• Your fees count against the Courtesy Pay limit
• Account must be open 60 days for Courtesy Pay
• Balance must be made positive within 30 days or account may be closed.
• Courtesy Pay will be suspended if account is negative 30 days or if loan is 20 days past due.
• Courtesy Pay may be reactivated once account has been positive for 30 days.
• Courtesy Pay is not guaranteed and could be revoked at any time without prior notice.

How You Earn Rewards Points:

• Cardholders will earn one point for every five U.S. dollars ($5) in eligible net purchases. "Net purchases" are defined as the dollar value of goods and services purchased beginning with the first day of the month that includes the Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements. Negative points will post on a statement if returns or credits exceed purchases.
• Transactions excluded from point calculation include: (a) ATM withdrawals (b) any fees and card-related charges posted, including ATM fees, over-limit fees, and monthly fees; or (c) any unauthorized charges or transactions.
• Points may be earned only if the applicable account is in good standing. If the account is closed for any reason, all points that were accumulated but unused will be forfeited immediately.

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