Advantage Plus Checking Account $200 New Account Gift Card Bonus (There will be four gift cards to local restaurants to choose from). In order to be eligible to obtain the gift card bonuses, you must open a New Advantage Plus Checking Account. You will receive a one-time new account $150 gift card bonus after we have verified qualifying direct deposit transactions that total at least $1,000 posted to your Advantage Plus Checking Account within 60 days after the date you opened the new account. The $150 gift card will be issued to you within 60 days after we have determined that you satisfied this requirement. Only one new account $150 gift card bonus will be issued in total for qualifying direct deposit activity to this account within the first 60 days of account opening. You will receive a one-time new account $50 gift card bonus after we have verified that 10 qualifying POS debit card transactions not including ATM withdrawals have been made with your Advantage Plus Columbia Bank debit card and those transactions post and settle to your Advantage Plus Checking Account within 60 days of the new account opening. The $50 gift card will be issued to you within 60 days after we have determined that you have satisfied this requirement. Only one new account $50 gift card will be issued in total for the qualifying Advantage Plus debit card activity. A “qualifying POS debit card transaction” is any Columbia Bank Debit Card transaction that requires either a signature or PIN at the point-of-sale. Please note that ATM withdrawals and online bill payments are not considered qualifying POS debit card transactions. Total $200 per person: If you have ever received a new account opening bonus in the past, you are not eligible for either of the gift card bonuses even if you open a new Advantage Plus Checking Account. You are permitted to receive only one of each of these new account gift card bonuses irrespective of the number or type of checking accounts you open. To receive any of the aforementioned new account gift card bonuses, the account must still be open at the time we are ready to credit the funds and at all times the account was in good standing. The new account gift card bonuses will be reported as interest to the IRS on form 1099-INT.
 Advantage Plus Checking Account is non-interest bearing. The minimum to open the account is $0.01. This account is only available to consumers (natural persons) for personal, family, or household purposes. It is not available for business purposes or to entities such as trusts, partnerships, LLCs, corporations, non- profits, etc. A daily minimum balance of $500.00 must be maintained in the account to avoid a monthly service charge of $9.00. If you transact 10 POS debit card transactions not including ATM withdrawals and those transactions post and settle to your Advantage Plus Checking Account during the month (i.e. statement cycle), the daily minimum balance of $500.00 is not required and your account will not be assessed the monthly service charge of $9.00. Consumers 22 years of age and under are not subject to the daily minimum balance requirement. Commencing with the month you turn 23 years of age and thereafter the daily balance must be $500.00 or greater for the entire month, otherwise your account will be charged the monthly service fee.
 UChoose Cash Back Rewards: You receive one point for every $2 spent on signature-based and pinned-based purchase transactions. By paying with your Columbia Bank Debit Card you can earn unlimited cash back annually on all qualifying purchases. A "qualifying purchase" is any Columbia Bank Debit Card transaction that requires either a signature or PIN at the point-of-sale. Please note that ATM withdrawals and bill payments are not considered qualifying purchases.
 Advantage Plus Checking provides for a rebate of up to ten (10) ATM surcharge fees or $30, whichever is less, for each statement cycle when you use your Columbia Bank Visa ¨ Debit Card at domestic ATMs not owned or operated by us and the owners of such ATMs add a surcharge to your transaction. The refund of such surcharge fees will appear on your statement as a “credit.” The maximum rebate per 12 month cycle period is $300.
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