[1] Cash Back 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. There is a Monthly Maintenance Service Charge of $10.00. The $10.00 Monthly Maintenance Service Charge can be avoided if there are at least ten (10) Columbia Bank Debit Card Point of Sale (POS) transactions (ATM withdrawals do not count) posted and settled to the account during the monthly statement cycle, or if the sum of posted Automated Clearing House (ACH) credits is greater than $1,000 during the monthly statement cycle. Please note that internal transfers are not considered an ACH transaction. Primary account owners 22 years of age or under are not subject to the Monthly Maintenance Service Charge. Commencing with the month the primary account owner turns 23 years of age and thereafter the Monthly Maintenance Service Charge is $10.00 unless there are at least ten (10) Columbia Bank Debit Card POS transactions (ATM withdrawals do not count) posted and settled to the account during the monthly statement cycle, or if the sum of posted Automated Clearing House (ACH) credits is greater than $1,000 during the monthly statement cycle.
[2] Cash Back Rewards: You receive 0.25% for every $1.00 spent with a minimum spend of a $2.00 per transaction spent on signature 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
[3] Cash Back Checking provides for a rebate of up to four (4) ATM surcharge fees or $15, 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 rebate of such surcharge fees will appear on your statement as a “credit.” The maximum rebate per 12 month statement cycle period is $180.
[4] The Cashback Checking Account is subject to a $5.00 per month Statement Print Service Charge fee if the account holder chooses to receive the monthly statement in print format rather than consenting to access it electronically. To avoid the Statement Print Service Charge, Cashback Checking account holders must sign up for Online Banking and consent online to receive the statement in electronic format.
[5] Message and data rates may apply from your wireless carrier.
