Cash Back Checking

Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Back Checking account during each Monthly Qualification Cycle:

• At least 1 direct deposit or ACH Credit
• At least 12 debit card purchases
• Be enrolled in and agree to receive eStatements

^*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 or credit 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 Monthly Qualification Cycle Dates link above or contact one of our branch service representatives at 402.434.3456 if you have questions.

Reward Information:

When Cash Back qualifications are met during a Monthly Qualification Cycle, you will you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

Saver: daily balances up to and including $99,999.99 in your Saver account earn 2.50% Annual Percentage Yield (APY) and on the portion of the daily balance equal to or greater than $100,000 earn an interest rate of 0.2497%, resulting in a range from 2.50% to 1.38% APY depending on the account’s daily balance.

Depending on your reward checking account, when your qualifications are not met: Cash back payments are not made and the entire daily balance in the High Yield Checking account earns 0.05% APY and the entire daily balance in the Saver account earns 0.05% APY.

Interest will be credited to your High Yield Checking and Saver accounts on the last day of the current statement cycle.

If High Yield Checking or Cash Back Checking are linked to Saver, the following also apply:

High Yield Checking: When linked to a Saver account, the interest earned within the High Yield Checking account does not compound since it is automatically transferred to the Saver account within one day. This automatic transfer may cause an overdraft to your High Yield Checking account, if the account balance is less than the transferred amount when the transfer occurs.

Cash Back Checking: When linked to a Saver account, the cash back payments earned in your Cash Back Checking account will be credited to your Saver account on the last day of the current statement cycle.

When your Cash Back account qualifications are not met, no cash back payments are made.

APYs accurate as of 7/01/26.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$10.00 minimum deposit is required to open a Rewards Checking account.

$10.00 minimum deposit is required to open the Saver account.

When the qualifications of a monthly Direct Deposit/ACH credit, minimum of 12 debit card purchases and enrollment in eStatements are met in your Cash Back Checking account, the linked Saver account also qualifies. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

The Primary Account Holder, as identified by social security number, is limited to one (1) West Gate Bank Rewards Checking account and one (1) Saver account.

There are no recurring monthly maintenance charges or fees to open or close this account.

A West Gate Bank Rewards Checking account is required to have a Saver account.

A linked Saver account is required for automatic savings.

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.